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Personal Finance Topics / Retirement Investing
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Author: AdrianC 🐝  😊 😞
Number: of 767 
Subject: Re: The 4% rule inventor makes some revisions
Date: 08/24/2025 12:26 PM
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No. of Recommendations: 4
This is the portfolio Bengen is suggesting in his book for a 4.7% SWR:

11% U.S. large-cap stocks
11% U.S. midcap stocks
11% U.S. small-cap stocks
11% U.S. microcap stocks
11% international stocks
40% in intermediate-term U.S. government bonds
5% in cash

Not sure how one would put 11% in micro caps.
20% of the stock portion in international *could* be a good diversifier.
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