4 ms·
Out of curiosity, how soon do you plan on retiring and and how much longer do you plan on living? Everyone has different allocations, but I rarely see people ta
by Shatnerz 6y ago
Out of curiosity, how soon do you plan on retiring and and how much longer do you plan on living? Everyone has different allocations, but I rarely see people talk about having 30% in bonds.
Have you been increasing bond allocation over time or just sticking to a 70/30 lazy portfolio?
- commonturtle 6y agoI'm 29, following the rule of thumb where you have (your age)% in bonds and (100 - your age)% in stocks. Is 30% too much or too little from your experience? I can understand people preferring stocks at the moment because bond yields are so low. But that won't be the case forever :)
- Shatnerz 6y agoIn my experience it is higher than I see people recommend. Yeah, I don't necessarily agree with the people who go 100% stocks. I know some retired, older people who seem pretty stock heavy as well. I guess everyone has their own risk tolerance. I probably need to rebalance my money, but I'm a similar age (normal health) and I shoot for 10-15% and that's on the higher end of the people I discuss my finances with.