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If you're asking about a typical retirement age and a 4% withdrawal then yes, it's like 60% bonds / 40% stocks. (Or vice versa, but some substantial mix, typically--your asset allocation is ultimately a personal decision, there is no right answer.) You still need some of the upside of equities unless your starting portfolio is just way more $$ than you'll ever need.What sort of investment accounts do you hold your savings in while taking those 4% withdrawals? I would imagine when someone is in retirement and needs that money to last for life, they move things to a very conservative investment vehicle. What very
conservative vehicle is giving 4-5% annual.return on average?
For a more perpetual withdrawal rate (goal is to basically keep the real value of the portfolio constant or even increasing) you need the upside of equities even more than typical retirement (which plans to spend down), so it's often like 80% stocks.