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Combining LAMF With SWP Strategy: Smart Liquidity Planning or Risky Move?
LAMF offers backup liquidity but should complement, not fully replace, emergency savings.
This is a high-alpha strategy. Use SWP for base monthly expenses and LAMF for lumpy, one-time costs . It avoids a "tax spike" in a single year. However, it’s risky if the total withdrawal + loan interest exceeds 8% of the portfolio value. In 2026, maintaining a "Combined Outflow Ratio" below 6% is considered the gold standard for sustainable, tax-efficient retirement cash flow. Apply Now