Target Date Fund vs “bond tent” strategy for SWR

Hi all,

Recently came across a blog site looking at Sustainable Withdrawal Rates (SWR), and the proportion of equity:bonds in investments over time (

The argument is that the conventional rule of thumb as I understand it (i.e reducing equity:bond ratio with age) is not as an effective strategy compared to a “bond tent” (i.e. shift more into bonds before retirement as normal, but then quickly shift out of bonds again, to 80 or 100% equity, in retirement).

Has anyone come across this, or uses this themselves? I would love to know the community’s opinion.

Many thanks.

submitted by /u/SnooChipmunks8851
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