Bear in mind that most financial analysts no longer believe in the 4% rule - the latest thinking is that it's less than 3% if you want to keep your capital safe.

At the point you retire you could consider dividend growth stocks or funds. Funds such as SCHD provide excellent long term dividend growth, albeit only at a current yield of around 3.8%. The real benefit of SCHD (apart from the growth component is their constant and reliable dividend increases. If you look on Digrin.com you'll see they're expected to be returning a yield on capital well over 8% by 2030 due to the increase in dividend. That's doubling your yield avery 8 years or less....
When you're in retirement, dividend growth is a huge benefit, ensuring that you'll be ahead of inflation, with an increase in income every year.

Once you reach retirement, you could make up a simple 3 or 4 fund portfolio with perhaps some JEPI or JEPQ for the higher income, together with a small amount of XLV and XLK for continued growth. Perhaps 40% SCHD 40% JEPI for income and a little growth, 10% each to XLV and XLK for growth, or even just VOO/VTI/VGT or your favourite growth index.

In the meantime, while you're concentrating on the accumulation stage of your investment journey, just concentrate on higher volatility growth holdings. I'm a big fan of both XLV and XLK - compare these with S&P500 (VOO). A 50/50 portfolio of these two returned a CAGR of almost 17% in the last 12 years, compared with less than 14% for VOO. Max drawdown is also slightly lower, although volatility is a little higher (which is ok at this stage for you).

Put these into portfoliovisualiser and have a play with the ratios to see what levels of income you can get at various different allocations. Depending on how you cut the portfolio, you could potentially withdraw 5% or even a little more for the first 3 or 4 years of retirement or so without eroding your capital, allowing you the extra for travelling and fun, then reduce to a more reasonable 3 - 4% when you reach the "sitting in front of the television" stage.

Even now, in the accumulation stage, it wouldn't hurt to have a small amount in SCHD or JEPI, maybe no more than 5% total between them - just to give you some understanding of income investing and dividend growth investing. Not financial advice blah blah, I shovel poo for a living.....