Being a 50/50 investor I have found my comfort zone. Have recently lowered my SWR to 2.5%. I like the 50/50 approach because I feel I am comfortable with 50% of the market losses and of course only 50% of market gains. I feel with my core index funds and a couple of managed funds that I am fairly diversified. 30% of my stock funds are diversified international with RERFX and VGTSX. Since the recent downturn both of these funds are down around 20%. I am getting to the point where I could rebalance or just sit tight and not try to catch a falling knife at this time. Any ideas anyone?