S&p500 is what you want to look at

Sorry bro your post makes zero sense. I wish you luck in your wealth building FYI VTSAX closely mirrors s&p 500 which has a non inflation adjusted return of 11.58%. Lets touch base in 30 years and see who has more money :)

I’m assuming this is someone who has been investing for many years. Not someone who is 64 and just started investing

Someone whose been investing since 1990 (or many many years) need not go into bonds in my opinion. The 20% pull back doesn’t affect them.

I’m in my early 30’s and I’m heavily investing - by the time I’m at retirement age I plan on doing full stocks for the 11.5% or so average return. My family has longevity so I’m assuming I’ll live into my 90s especially with advances in healthcare in the next 30 years.

A lot of people live until 90. They can do 3-4% withdrawal in full stocks and not touch the principle. Bonds is an old theory and one that I just disagree with.

This is a myth. 100% VTSAX is fine