On Sunday, May 9, 2021 at 4:43:18 PM UTC-4, dpb wrote:
On 5/9/2021 2:05 PM, DerbyDad03 wrote:
When the market is doing well, withdraw the required money from your
stable buckets and re-fill them from the equity side. When the market is
doing poorly, withdraw the money from the stable side and leave the
equities alone. When the market rebounds (it*always* does) refill your
buckets to get back up to six years.
Huh?

We're withdrawing from the "stable" buckets either way...

Yes, that's because many people simply set up a monthly "paycheck"
from the same fund every month. Then every few months or maybe
annually they refill from the equities - assuming that they are up. If
not, then wait. We're talking about not selling equities for income in
times like early 2020 or during the 2007 - 2008 reversal when they
tanked. It's a process. Of course, if you need a big chunk and equities
are up, there nothing saying you can't sell and withdraw directly from
the equities. I'm talking about long term portfolio management.


In the current interest climate, there's essentially no "stable bucket"
that even makes the current (relatively) low inflation rate so you're
losing ground in purchasing power besides.


That is not true. There are indeed bond funds that are still making
more than inflation. If you look hard enough or have a financial
advisor that knows where to look, there is still money that can be
made in bonds. Managed products, not index funds.

Are you suggesting that you should have no "stable assets" in your
portfolio and rely solely on the equity market for all withdrawals?