Just want a quick consensus. If a high percentage of your planned retirement income is pensions and SS, say around 75%, with a 2-3% SWR making up the other 25%, is there really a need to carry anywhere near the 40% bonds the 60/40 crowd preaches? I can live off 50% of my total income, so my thinking was for a higher percentage in equities for the nest egg, with some harvesting during strong returns. I doubt I will ever need to take 4%, but did want to use the money when the urge arises. I was thinking maybe 15% bonds max.