No. of Recommendations: 1
Accept the 4% SWR withdrawal rule and accept that some years are bad and some years are good, but over the long run you do not need to obsess about the volatility and gyrations of the market.

But people don't want to do that, so they take steps to try to avoid the volatility--and doing so costs them more than they gain.


To be clear, no one here is advocating for a retirement portfolio of 100% stocks, are they?

The 4% studies originally used a mix of stocks and bonds. We can do our own studies with cFIREsim and Firecalc. We tend to get a better result by adding in a few bonds.

We like to keep some cash on hand and have a mix of stocks and bonds. Might not be optimal in the very long-term, but who cares about the very long-term?
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