If you can live without withdraw you can use any allocation. If the market goes down sharply , you can halt your withdraw, wait until your portfolio recover and then start withdrawing again. Your recessions comes from your other sources.I'm a soon-to-be 73-year-old single male (March). I strongly believe in buy & hold and I have sufficient income from other sources so as not to have to rely on dividends (which I reinvest) from my investments. My $1.1+ million portfolio is currently constructed as follows:
In my taxable CMA - Cash/SGOV - 4% (mostly SGOV, easily converted to cash if I need it)
Across 3 tax-deferred IRA's -
BND - 47%
VTI - 32%
VXUS - 17%
Given that I'm estimating my demise to be NLT 85, will this allocation successfully ride out a multi-year U.S. recession with a sharp market downturn? I've seen info from various reputable sources that suggest going shorter term on the bond holdings or adding TIPs. Others have suggested lightening up on US equities (VTI) and putting more into VXUS, or other international ETF's. I've read the VG literature on their 30/70 recommendations, but I'm hesitant to go that low. Any thoughts?
Statistics: Posted by gavinsiu — Sat Feb 14, 2026 3:37 pm — Replies 11 — Views 636