I posted this link on an Investment Strategies thread but afraid it may be buried there.
Many of you using slice and dice also speak well of Frank Armstrong's two bucket approach to retirement withdrawals to avoid selling stock in down market. The following thread is the best detail I have seen in the mechanics of such a withdrawal strategy. It includes examples of an annual 4% withdrawal with rebalancing including actually using performance data for 2000-2004 to simulate withdrawing from a $1 million portfolio.
http://www.suite101.com/discussion.c...1-10#message_1