I understand that the program tells you how much to withdraw each year in retirement from regular and retirement accounts, but if you have a mix of stocks and bonds in a regular account, it does not tell you the relative portions of bonds vs. stocks to liquidate each year. How would you make that decision?


dan royer's picture

I believe that there is a quite range of opinions about this. For example, Christine Benz at Morningstar writes about a bucket approach. I suppose the general advice is to cash out the funds that are up.

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