> The 100/0 guy has no such option and misses out entirely. Not true. The 100/0 guy can buy stocks during a downturn just as well as the 90/10 guy. If we're re

> The 100/0 guy has no such option and misses out entirely. Not true. The 100/0 guy can buy stocks during a downturn just as well as the 90/10 guy. If we're really talking long term, that is, if neither person is selling, and if both are investing the same amounts regularly, then on average the 100/0 portfolio will outperform the 90/10 portfolio. Looking at history, the reason to go with anything besides 100/0 over the long term has to do with risk tolerance, not performance. https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation https://investor.vanguard.com/investor-resources-education/e...