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Why are funds like Wellesley so popular over a state muni bond fund when it comes to retirement investing? Is inflation the key or are other factors involved?

I really appreciate you taking time to answer my questions, this is a great board with nice people.

Do you then suggest waiting until year end to sell shares for necessary (4%) income.? Which is taxable as capital gains?

Does that mean automatic 4% withdraw is a no no? How about distributions should those be reinvested?

I need to invest apprx. 1.5 million in retirement income bearing instruments. Am I better off in a state muni bond fund or in funds like Wesseley/Wellington,Target income fund or should I diversify among them. I am trying to secure a safe return ($55,000) and some inflation protection. I'm not...

I must be missing something. I do not see the advantage of an annuity except that you do not need to invest the money yourself and the return you you get is set just like in a pension. The most important factor is you lose the principle. What am I missing?

Ted Did you recommend annuities because of the guaranted amount or was there another reason. I would like to maintain the principle if that's practical.

I forgot to mention I only calulated taking $80,000 a year. Would that have made a difference.

I tried hypo on firecalc with 2million I put 20% in stocks and 80% in tips at 1.5% for 30 years. I got 100% success rate. Does that seem right? And what about the tax on the tips monies (inflation) I don'r recieve until muturity?

What would be the best and safest way to invest $2 million to get a return of $100,000 annually, or a lesser amount tax free.