How much should you take out of your portfolio in retirement? This is one of the biggest financial decisions you will make. In this presentation, Paul discusses the use of the Fixed Distribution Tables, updated for 2021 data.  He uses Fine Tuning Tables B1 (S&P 500) and  B9 (U.S. 4 Fund Portfolio) as the return series he will use for the discussion. He looks at 4 tables in each series. The tables reflect the outcome of taking a 3, 4, 5 and 6 percent original distribution, with annual inflation adjustments. The comparisons are based on the use of 40/60, 50/50 and 60/40 equity/fixed income portfolios. Paul focuses on the 20, 30 and 52 year periods of returns.

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