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?Minimizing what you lose to fees & expenses also improves the SWR.Stocks and bonds go up and down in value, but the money you lose to fees and commissions is gone forever.intercst
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