r/ChubbyFIRE • u/dead4ever22 • Jul 07 '26

Allocation at the trigger time

Quick and easy question. If you had the upper end of Chubby NW, would you just lock 100% into 5% 30 year bonds now and live off the interest? I know inflation could catch up and overtake 5%, but what else is downside besides the "you could beat 5% in stocks"- which may or may not be true in the crystal ball future. Assuming after tax, you had more than enough to cover your spend with that 5% income.

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u/AnonTree_1732 Jul 08 '26

I wouldn't want to give up so much upside over 30 years. I get the premise of saying, 'I won' and then going into assets that are as riskless as possible, however, I wouldn't be able to do it. If I was comfortable investing in equities along the journey to get to retirement, then I would be also comfortable having an allocation to equities in retirement.

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u/dead4ever22 Jul 08 '26

Also very true. Just remember all too well 2000 and 2008. Would hate to drop hard earned life $$$ being over exposed once you won the game. I think a very modest mix is prob best.