You may want to look into it more. You don't need consistent returns, you need 4% yearly returns on average over a long time period. Looking at historical retur

You may want to look into it more. You don't need consistent returns, you need 4% yearly returns on average over a long time period. Looking at historical returns for a broad index fund (like VTSAX), this is very achievable. However, 4% may still be aggressive. This is why I am personally targeting closer to 3%.