You can safely draw down 4% per year according to fairly conservative calculations of MMM. http://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-ret

You can safely draw down 4% per year according to fairly conservative calculations of MMM. http://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/ http://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need... It sounds like you're making 1.2% in dividends, but you can (by this calculation) also sell 2.8% of your investments whilst keeping your total pot above inflation.