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Bob_Smith · 12-20-2003, 01:25 PM

My plan calls for withdrawing about 3.5% per year from the portfolio (plus inflation) on average over the entire retirement period. I read your original question again, and I see that you're only asking about the first year. For me that will be about 4.3%. When my pension kicks in shortly thereafter, that will drop.

I have found Quicken Financial Planner to be a great way to visualize cash flow and see where the money will likely come from in each individual year. I'm using a very conservative real return of 2.5% (3.5% inflation and 6% return), so my results in real life will hopefully be better than that. I kept the old version of QFP that came with Quicken 99. The charts are much better and more detailed in the older version of QFP.

12-20-2003, 01:25 PM	#7
Bob_Smith Full time employment: Posting here. Join Date: Sep 2003 Posts: 902	My plan calls for withdrawing about 3.5% per year from the portfolio (plus inflation) on average over the entire retirement period. I read your original question again, and I see that you're only asking about the first year. For me that will be about 4.3%. When my pension kicks in shortly thereafter, that will drop. I have found Quicken Financial Planner to be a great way to visualize cash flow and see where the money will likely come from in each individual year. I'm using a very conservative real return of 2.5% (3.5% inflation and 6% return), so my results in real life will hopefully be better than that. I kept the old version of QFP that came with Quicken 99. The charts are much better and more detailed in the older version of QFP.