FUEGO
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Nov 13, 2007
- Messages
- 7,746
At some point you are analyzing "how many angels fit on the head of a pin" and splitting hairs.
There have been a few threads here in the last few years that dealt with different withdrawal strategies. Buckets a la Ray Lucia, stocks first vs. bonds first (see link below). Search around and see what you can find. Bottom line is that the more stocks you own and the longer you own them increases your AVERAGE expected portfolio value. With more volatility. Hence consuming bonds first and/or using a bucket approach where you deplete a fixed income bucket before consuming any equities can make you wealthier long term on average. If you don't have a portfolio failure in the mean time!
http://www.early-retirement.org/forums/f28/buckets-and-bears-31362.html
And I have laid out a little bit of planning I have done here in post #19 and #23: http://www.early-retirement.org/forums/f28/2-swr-40703.html
There have been a few threads here in the last few years that dealt with different withdrawal strategies. Buckets a la Ray Lucia, stocks first vs. bonds first (see link below). Search around and see what you can find. Bottom line is that the more stocks you own and the longer you own them increases your AVERAGE expected portfolio value. With more volatility. Hence consuming bonds first and/or using a bucket approach where you deplete a fixed income bucket before consuming any equities can make you wealthier long term on average. If you don't have a portfolio failure in the mean time!
http://www.early-retirement.org/forums/f28/buckets-and-bears-31362.html
And I have laid out a little bit of planning I have done here in post #19 and #23: http://www.early-retirement.org/forums/f28/2-swr-40703.html