With 40/60 stock/bond in cFIREsim and 30 year retirement you get 3.57% SWR at 90% success if 1% fee. If fee is 0.2% the SWR is 3.97% for 90% success. The reductions in bond and stock returns are food for thought, even for mustachians. As they say, past results are no guarantee of future returns.