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URL:  http://boards.fool.com/ive-often-heard-this-but-the-4-rule-is-based-30714427.aspx

Subject:  Re: Talk me out of a Financial Advisor Date:  6/2/2013  1:08 PM
Author:  sykesix Number:  72366 of 76100

I've often heard this, but the 4% rule is based on historic returns of a simple portfolio. If a more complex portfolio can be structured to either increase the average annual return or smooth out the valleys at the same return, both after fees, wouldn't the SWR be higher?

In theory yes, but making the portfolio more complex makes the backtest difficult if not impossible.
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