The first year is 3.6% with a gradual year to year increase. The 4% estimate was a good one, not 7% or 10% as had also been suggested. The link to the table was in post #5.
All of out IRA investments are low load mutual funds with equities at about 65% of the total. We do review the allocation mix yearly and make some minor adjustments. We will never annuitize any of our IRA holdings.
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