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There have been a lot of studies on which asset allocation works best in retirement. A few questions --

what % of your portfolio do you plan to withdraw each year?

how many years will you continue withdrawals?

Generally, money that you need in the next five years shouldn't be in the stock market. You should probably move some money into the F fund, NOT BECAUSE OF MARKET CONDITIONS, but because the G fund will fluctuate too much and you need something stable.

If you don't need the funds, why are you withdrawing at all? What is your goal? What is the benefit of getting a high return out of the account?
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