Where do I take teh 4% withdraw from?

[TickTock]

TickTock,

In my IRA, Vanguard lets me choose where the dividends from each fund will go. (I have wondered how well it would work if I sent the dividends from, say, a total stock market fund to a bond fund and vice versa. I must spreadsheet this one day.) At the moment, I am sending all dividends to a MM account and I take my time rebalancing. I don't know, but I'll bet Fidelity and others allow the same...unless it is inside a company retirement plan. Those tend to be designed for the convenience of the employer, not you.

Yes, my and DW's 401k's (and IRA's) allow this as well. I choose to reinvest all distributions back in the fund they were generated, then rebalance once a year.

Since the are no tax considerations and I rebalance once a year, I haven't really studied it closely. There may well be a better way. I'm convinced this is, if not *the* best way, a pretty darn good way.