Whenever I see people discussing asset allocations in retirement, the answers seem to be either 100% equities or 70/30. However, I also see a lot of folks concerned about their withdrawal rate (often 4%) failing due to MC simulations.
At the minute, 30 year treasuries seem to be in the neighborhood of 4.7% - 4.8%. Is there something I’m missing as to why people aren’t interested in guaranteeing 30 years of their retirement?