Will you be willing, and able, to stick with such an aggressive stocks-bonds mix when the markets are in turmoil or even in the midst of a harrowing tailspin?
The 4% rule is probably the best-known strategy for turning money in IRAs, 401(k)s and other retirement accounts into income you can count on for life.
If you abandon stocks every time you get jittery about the economy or the financial markets, you may lose out on some impressive growth in the value of your savings.
Periodic rebalancing is generally a good way to keep your investing strategy on track and to prevent your portfolio from becoming too risky during market surges or too conservative after big market setbacks.
The majority of Americans are either overestimating how much they can afford to withdraw from their retirement savings, or they don't know where to begin.
Once you start expanding your investment horizon beyond a broadly diversified portfolio of stocks and bonds, you may wind up "di-worse-ifying" rather than diversifying.