Thanks dogagility and Maverick3320. I am completely in favor of reducing complexity. My goal is to have as much of a set-and-forget (lazy?) plan as possible. The plan du jour* is a 60/40 AA that is comprised of 48% VTI, 12% VXUS, 32% BND, and 8% VMFXX. I am collecting my pension now, but Social Security is 7 years away (age 70). I have been concentrating on the AA and haven't ironed out the drawdown strategy. My initial thought was to rebalance yearly and use the cash account to send a monthly "paycheck" to my checking account. The cash account was to provide a buffer from drawing from the stock and bond allocations if they happen to be down.Agree. Added complexity for no benefit.With pensions, Social Security, and 3.3M, I don't see the point of keeping two years of expenses in cash.
*just when I think I have a plan, I read something in this forum that makes me wonder. Especially where my fixed income assets should be.
Statistics: Posted by C123 — Tue Feb 03, 2026 1:33 pm — Replies 14 — Views 1045