No. of Recommendations: 2
"Since each annual return is inflation adjusted, these are the real purchasing-power returns, not the nominal dollar returns."

That is good for the 'investing phase' of investing.

However, I suspect the numbers change radically when you start to withdraw money. Now, in bad years, you are taking more out percentage wise......

and if you get hit with adverse selection - ie, the first couple years of your retirement are real downers...... then having more money allocated to stocks is going to hurt more.

If I recall Bernstein's 'efficient frontier' SWR curves, at 100% SP500, you've got about a 2.3% SWR for 30 years......and pretty low for 100% bonds....and the sweet spot is 50-70% allocation to stock.

Once you start withdrawing money, it's a whole new ball game.

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