I retired last year at 48, and since 87% of my funds are in IRAs I am using 72t
withdrawals for income. I am at Schwab, and have 2 regular IRAs - the 'big'
IRA for the 72t, and the 'small' IRA just in case. I use the easy-to-calculate
method, which yields about 3% of my previous Dec31 balance each year. The
account is 100% invested in dividend paying stocks (PG, JNJ, KIM, GGP, VNO,
WRE, etc), which yield slightly over the withdrawal amount. I withdraw twice/year
(no particular reason). I did not use the more complex methods, which can yield
5-6% of your initial balance, because if I needed 5-6% to live on I would not have
retired.
