Provided shares have shown to outperform bonds more than the long run, we'd like a better allocation to shares to deal with our extended lives. Our threat tolerance however decreases as we become older, just in a afterwards phase.
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Is it rational to take into account Pension and SS since the preset parts of a portfolio? If Certainly, How does one !) account for it in asset allocation two) allocate retirement money to stocks – 80 to100%?
Regardless of the lack of sexiness in bonds, should you’re serious about attaining financial independence or are now financially independent, bonds are an integral part of one's portfolio. Not just do bonds give solid returns, bonds also provide defensive properties when shares are providing off.
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I totally understand in which you’re coming from; usually, for me to avoid volatility I just don’t check out my portfolio :) But I realize that a 50% crash like in 2008 can occasionally lead to people today to market unnecessarily (Despite the fact that I think this was a “unusual” economic downturn using a crash this large, and from what I am aware, the market hadn’t dropped this lower for that lengthy considering the fact that Despair era periods…).