3 ms·
We're on the same page mostly, but I think if forced liquidation is a real risk you should lower your equity % at the start to compensate. 100% at age 40 is ove
by dahdum 9y ago
We're on the same page mostly, but I think if forced liquidation is a real risk you should lower your equity % at the start to compensate. 100% at age 40 is overly aggressive, pretty sure you'd have better risk adjusted returns by including bonds in there from the start.
- njarboe 9y agoWith bonds at historic lows (negative interest rates have never seen since the beginning of money in ~600BC), I would not be so sure about that. What bonds would you invest in?
- dahdum 9y agoWe're also at record equity levels and low interest rates, but that can change really quickly. I only put them in there because a lot of MPT models say it's a good idea. I have LQD, JNK, and BNDX.