Looking for feedback on this strategy for our current retirement. Three investment buckets as follows: #1: three to five years of cash (in money market fund) to draw on monthly. Replenish from brokerage accounts as needed in good market years. Leave alone in down years. #2: IRA invested in 3 blended funds with Vanguard: Admiral, Wellington and the 2030 retirement fund. They have different proportions of stocks and bonds. My goal is to earn about 6%, diversify and grow tax deferred IRA. Only withdraw RMD's annually. #3: After tax savings invested equally in 3 Vanguard funds: Tax advantaged US Stocks, International Stocks and Tax Free bond funds. Do not withdraw for three to five years. Goal is to grow this 6% by reducing capital gains and compounding gains. The entire portfolio is about 50/50 equites & bonds. Long term strategy: Cash, IRA and Social Security in our 70's. Brokerage and Soc Sec in our 80's. Home equity, Life insurance and Soc Sec in our 90's. Advice and opinions are welcome.