12-31-2014, 06:33 PM
I'm at the distribution phase, have a limited investment horizon and don't pay much attention to growth metrics. Am mostly interested in current yield with some potential for growth. We are taking an approximate 10% distribution per year from the IRA. Are channeling much of SS into funding a regular account. The goal right now is to have at least 5% growth in portfolio value when new funding is added to portfolio earnings. This year after withdrawing 10%, earnings of 10.5% plus $8000 in new funding grew the portfolio 1.5%. The math for those calculations is very, very simple, using just a few cells on my spreadsheet. In two years withdrawals will drop to 4%-5% and portfolio growth should accelerate.
Alex