Post #721 by AdrianC on the Retirement Investing board

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I’m a 2000 retiree who stuck to 100% equities with a little timing, after living expenses have > 5X starting balance. Early years of MI worked well, much less so last 12 years but still better than indexing. My timing reduced the volatility but didn’t increase the long-term gain. My unorthodox view is that one should reduce the 40% bond portion of your investments by 5 times your SS and pension. Let them be part of the stable portion of your long term plans.

Were you pulling out an inflation-adjusted 4% each year?

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