Hello everyone,

While my FIRE dates is still 9 years away, my mother is in her 60s and is trying to get oriented toward transitioning into retirement. She has asked me to help balance her 401k portfolio and figure out how much she can withdraw annually.

What allocation does the 4% rule assume? She currently has a 40% stock and 60% bond portfolio in Vanguard funds (waiting to get the exact fund mix - its in about 12 funds and is a bit too complex in my opinion) with about 650k saved.

I currently use the Vanguard 4 fund approach (80/20 stocks/bonds) with the Total Stock Market fund, Total International Stocks fund, Total Bond Market fund, and REIT fund. Does she need more exposure to stocks to safely withdraw 4%? Is this four fund approach optimal for her or should she be using a different portfolio?

Thank you very much for your thoughts. Please feel free to follow up with questions.