A Couple's $1.2 Million Portfolio Faces a 3.9% Withdrawal Rate Reality [Yahoo! Finance]
VANGUARD HIGH DIVI YIELD (VYM)
NASDAQ:AMEX Investor Relations:
personal.vanguard.com/us/funds/snapshot?fundintext=int&fundid=0623
Company Research
Source: Yahoo! Finance
Vanguard High Dividend Yield ETF holds JPMorgan Chase, Johnson & Johnson and Procter & Gamble with a 2.39% yield. Investors rethink ‘hands off' investing and decide to start making real money A dual-income couple approaching retirement with $1.2 million in savings and Social Security benefits faces a critical question: Will this be enough? The answer depends heavily on coordinating Social Security claims and structuring portfolio withdrawals. Portfolio: $1.2 million in retirement savings Income source: Social Security benefits from dual earners Key challenge: Coordinating spousal benefits with uneven earnings histories Critical decision: Withdrawal strategy and claiming timing Morningstar's 2026 research suggests a 3.9% withdrawal rate for new retirees. Applied to $1.2 million, this generates approximately $46,800 annually, or $3,900 monthly from the portfolio alone. Social Security adds substantial income for dual-earner couples. The Social Security Administration re
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