Hi All - What would be wrong with a 40%/60% (stocks/individual bonds) allocation if my withdrawal rate is 2% over a 50 year retirement? I'm cognizant of the need to keep up with inflation. However, I've read many opinion pieces that suggest all kinds of AA for all kinds of reasons.
If my portfolio returns 4.5% and I'm taking 2% (with a 3% bump each year thereafter), it seems to me like that works over the long run if I'm comfortable with the lifestyle that 2% provides me.
I'd love some opinions on this. Thanks in advance.
If my portfolio returns 4.5% and I'm taking 2% (with a 3% bump each year thereafter), it seems to me like that works over the long run if I'm comfortable with the lifestyle that 2% provides me.
I'd love some opinions on this. Thanks in advance.