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Stay nimble
Stay nimble
Instead of relying on one withdrawal rate, says Vanguard's Maria Bruno, "be flexible and make adjustments along the way."

When markets do well, you could take out 5% or 6%. In down times for stocks, dial back. Once a year, sit down with a calculator -- try the Fidelity Income Strategy Evaluator at Fidelity.com -- and come up with a safe withdrawal amount based on your expenses and your portfolio's performance.

By Donna Rosato @Money - Last updated April 04 2012: 6:46 PM ET
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