Sample retirement / withdraw portfolio

1/ VTI 1mill, Avg out (not in) each month 

2/ SCHD dividend income 

3/ VNQ real estate income 

4/ TIPS bond income inflation protected 

5/ Money Market, when mkt down, stop avg out VTI and use MM instead, 

6/ Tech QQQM 

7/ International VT or XEQT 

8/ Growth VUG,