4 ms·

Disagree on that being the advice in the US. Most basic investment advice (and target-date funds) will use a three-fund portfolio containing US, ex-US, and bond

by rafram 2mo ago

Disagree on that being the advice in the US. Most basic investment advice (and target-date funds) will use a three-fund portfolio containing US, ex-US, and bonds.

oezi 2mo ago
In Europe bonds are mostly out of fashion because they pay very little or have considerable risk of default. At least for retail investors.
- rafram 2mo ago
  You normally add bonds when nearing retirement.