The asset allocation thread had me thinking there is not much discussion on these boards about asset allocations and rates of return/withdraw rates.

For example-

With a 100% equity portfolio I think the expected return should be 10-11%. If I had to withdraw in retirement from a portfolio like this, It would be around 2.5% (which should be the dividend yield).

With an 80-20 portfolio (80% equity, 20% bonds), I would expect an 8-9% return and I could expect to withdraw about 3.5% from this portfolio. Most (all) of the withdraws would come from either interest on the bonds portion or dividends on the equity portion.

With a 60-40 portfolio, I would expect a 6-7% annual return and would plan on withdrawing 4% of this portfolio. The 4% withdraw would involve selling shares.

With a 40-60 portfolio, I would expect a 4-5% annual return. I would expect to withdraw 4% of portfolio and I would expect the entire withdraw could be from interest and dividends.