So, my plan was to launch at the end of last year, but I chose OMY as I determined I was not quite ready (psychologically) to cut the cord. For years, I have bought into the Total Return approach, but a I started running "what if" scenarios with our current crisis and am discovering the bucket system may be the right approach for me. I have been a 60/40 guy with some consideration drifting as low as 50/50 or 55/45 buying into the "won the game, why play" philosophy.
Doing a little reading, it appears even using a relatively conservative 3 bucket system approach I end up landing at a similar place with my AA as a Total Return investor, but the bucket system allows me to play Jedi mind tricks so I sleep well. Where I struggle some is what do you do if you have more than what you arguably need? Do you take the excess and throw it into bucket 3 which gives you a more aggressive AA? Or do you just follow a preset AA in tandem with your bucket structure? I can see an argument for both. For those who bucket, do you add more to bucket 3 if your cup runnith over or do you just ratchet down your SWR and run a shadow AA?
Doing a little reading, it appears even using a relatively conservative 3 bucket system approach I end up landing at a similar place with my AA as a Total Return investor, but the bucket system allows me to play Jedi mind tricks so I sleep well. Where I struggle some is what do you do if you have more than what you arguably need? Do you take the excess and throw it into bucket 3 which gives you a more aggressive AA? Or do you just follow a preset AA in tandem with your bucket structure? I can see an argument for both. For those who bucket, do you add more to bucket 3 if your cup runnith over or do you just ratchet down your SWR and run a shadow AA?