Original Message

Who in their right mind is 100% in bonds? If that is your investment strategy please hire a financial planner to take 1% of your assets annually because you will STILL be better off. Is this why helicopter pilots are so broke and never retire? My goodness. S&P 500 has returned ~10% before inflation, ~7% after inflation. Chances are pretty high if you are a bit flexible with your withdrawal rate you can take 4% annually and make your money last for at least 30 years.