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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: rayvt ✧☼🐝  😊 😞
Number: of 1281 
Subject: Re: 100% Stocks
Date: 10/24/25 10:03 AM
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No. of Recommendations: 2
A 60 % stock 40% fixed income portfolio with a 4% withdrawal has 10 years worth of spending in fixed income. If you want to survive the worst "sequence of returns" in history, you need something like that 10 years worth in fixed income.

Only if you have no other sources of income and are 100% dependent on withdrawals from your investment portfolio.

And also assuming that fixed income investments will not be effected by whatever is happening in the economy that is cratering businesses for 10 years. A somewhat "bold" assumption.
Companies are going broke right and left, which causes stocks to go down and down but they keep paying the interest on their bonds no problem.

Color me skeptical.
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This community has written 1,207 posts about Retirement Investing. The article-length ones it recommended most:
The Case for Long-Term Buy and Hold Investing · 49 recs · 2025
Transferring assets to the next generation · 20 recs · 2025
Retirement Year 8 · 17 recs · 2025
(nearly) year one of retirement has been good · 11 recs · 2026
Buying Treasuries Via Vanguard · 10 recs · 2023
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