Another approach besides the 60/40 standard split was cited by Michael Kitces and Wade Pfau known as the rising equity glide path.
The rising equity glide path would do better to guard against the Sequence of Return Risk for early retirees. However, when the bulls are running it will leave a smaller portfolio.
Risk Reward balance.
__________________
DW and I are 62/62. 100% equities 31 years. FIRE'd August 2019. Non-cola pension cashed out Dec 2022 before segmentation rates reduced balance - rolled to MM fund, max SS for DH and DW at FRA. Mega retiree health available. IRA rollover from 401k Jan 2020 for NUA treatment. LTCG for 3 years. Next few years will be IRA cash withdrawals or until Stock Market recovers. AA 33% stocks, 67% MM and T-Bills. Rising equity glidepath.
|