Welcome to another edition of Five Question Friday (FQF). Here are the 5 questions:

1. Can one Fidelity fund beat the Vanguard 3-fund portfolio?
2. How do expense ratios work with fund of funds?
3. Concerning the 4% rule, which I believe the analysis runs out for 30 years, if someone starts to take a yearly percentage out of their portfolio at a later age, say in their mid-70s, can the starting point of 4% be safely increased, and to what?
4. How to Track a Complicated Portfolio
5. What should we make of Vanguard's paper that indicates a better asset allocation for retirement income is a majority of bonds (like 40% equities, 60% bonds!) as opposed to long-established portfolios that are more like 60/40 in favor of equities.  Even Bill Bengen didn't recommend going below 50% equities, right?

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