In traditional investments, there is generally a recommendation that you should be able to withdraw 4% per year from your investment portfolio and to be able to withdraw at that rate forever, so long as, on average, your investment is growing in value at least 4% per year.
I guess it is the 4% rule of investment you are talking about. Imagine your portfolio balance is not increasing due to price fluctuations and the market moving to the bottom how does this rule help you keep up? because you will be worried about decreasing purchasing power. And so something to keep in mind. A typical model is unable to show the significant additional sequence of returns risk that can be introduced by those problems that arise during a down market. I would prefer a 2% risk every year of my total investment. To me, this is safer than going higher for 4%. I am single and have no children so am ok with that.