[fantasticshower]

I am more worried that when I want to start selling them so I can retire coincides with the beginning of a long drawdown. I suppose one way to address this risk would be to save even more and don't retire until you have way more than you calculate you'll need.

[bryananderson]

One adjustment you could make is to slowly rotate into bonds (also via a highly diversified fund) as you approach retirement to dampen volatility (at the cost of lower returns, but hopefully that’s fine by the time you’re approaching retirement)