Quote:
Originally Posted by F.I.R.E User
That makes sense if my portfolio is growing more than 4%. I get more money to spend. How much should I be in Bonds after RE?
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Asset allocation (AA) and other sources of income matter. The 4% “rule” is based on only having invested asset return to live on and the goal of not using principal. Pensions, SS, annuities, target asset value at death, etc could change the appropriate %.
AA can depend on age, life expectancy, WR target, asset class comfort levels, target asset value at death, and many other factors.