MWL, Thank you so much for your comments.  I appreciate hearing what you've done with your investments.

Indeed, I do know the risks of taking the advice of strangers (or near strangers).  You are right, that I  feel pretty confident of my strategy, and am asking whether I've missed something I should be thinking about or whether others have different points of view I should consider.  I'm not asking anyone to choose stocks or mutual funds for me, but I will research any suggestions made.

You are right, my inflation adjusted pension is from the federal government.  I was under the old retirement system, so did not pay into SS during my federal employment.  I am currently self-employed and am now paying into SS.  I will qualify for a small amount of SS (my SS is reduced because of my government pension) perhaps only enough to pay my medicare premiums plus a bit extra, so I'm not even figuring that into my calculations.

Your point about a permanent portfolio vs. a variable portfolio is well-taken.   I consider myself to have a permanent portfolio, some of which is invested in individual stocks, with a bias toward dividend paying stocks.  I do have a taxable portfolio of individual stocks that I "play" with more, but that is not money I need for living expenses.  If I hit the jackpot, I'll take an around the world trip in first class ;-).