So with safe withdrawals in mind and sequence of returns considering we had a long bull run and current political events with the market volatility (retiring late this year or next) does the following strategy make sense?
For US having roughly 50/50 in VOO and SCHG
For international having 50/50 DFIV and AVDV.
The US side would be 60% and intl would be 40%. Could consider 50/50 but for now 60/40.
That total of 100% is just for covering growth bucket to keep the math simple. Not counting separate small bucket of dividends or bonds/hysa.
Separately I would have a set amount for then covering bonds + some hysa (this combines covers minimal (not leisure just food, rent, medical, utilities) living expenses for 6 years). If living expenses go up with inflation and health costs, I would bump up as needed.
So when withdrawing, I can take from what does well whether the US or international. Sometimes growth tilts gave a dip and broad market holds well, but otherwise growth tilts (SCHG and AVDV) could help boost up total net value.
In a bear market I can tap from bonds (PULS or BND) which covers 3 years, and a hysa which covers 3 years (6 yrs total). This should help for a bad bear market with very little actual withdrawals for bad dips in the growth ETFs (sequence of returns in mind). The hysa is separate from bonds in case main brokerage gets locked or some issue.
The dividends from the growth bucket and a small div bucket are already close to covering minimum expenses in a normal market. So SWR is really minimized to 0-1% unless some big spending leisure once in a while.
Without going into other details on 401k SOSEPP or taxable (I have both and would get SS in 13 years as 52 this year).
Is the etf picks and allocations reasonable? So I essentially have 4 ETFs from normal growth or a tilt/momentum on both the US or international on a normal market and just withdraw.