1. Move to Vanguard Brokerage-Why? Does Fido have a Better fund than VWINX? Better than VBIIX?
2. Own Balanced Funds and Bonds and let them take care of your $...and keep your Mitts off of it..
3. A Simple Port of using 50% VWIAX ( That's VWINX's Admrial) and 50% VBILX ( VBIIX Admrial) is more than you will need.
4. Unless Need $ out of it? Reinvest Divs
5. If Want some $ out of it? Open a ST Bond Fund , like VBISX/VBIRX, Have the Div's/Ylds Put into it and Set up a Qtrly WD from it , to go to your Bank Cking account.
6. Downsize- That's what we did! Didn't want to have to Do all the Work taking care of a House and got a Small Townhome instead. We have our 1 car Garage, Nice Patio, Nice Neighbors ( Like Kind) and We can just Lock it up and leave for Months if we want.