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A simple-but-effective retirement income plan

CNNMoney

When I retire, I plan to invest half of my nest egg in a Standard & Poor's 500 index fund and the other half in a total bond market index fund and then withdraw 3.5% each year adjusted for inflation. Is this a retirement income plan that will work? --John, New Jersey
You've got a good framework for a retirement income plan. But before you actually retire, there are a few simple refinements you ought to consider that might improve it, and help y ...

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