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- Posts: 5
- Joined: Fri Mar 16, 2012 5:55 am
So is a large % allocation to bonds (total bond 55%/intermediate bond 15%/Tips 30%) OK just so a person is still accumulating and likely able to work 10 more years and not need withdrawls during this period? Have 42% overall in bonds. Am in great health and very stable and rewarding career. Have 55% equities and 3% cash. Everything in Vanguard basically TSM/total foreign/etc. I guess basically downside risk from every direction but should be able to continue savng a significant amout for next ten years, then be making RMD. Would rate increase/market pull back be basically a buying opportunity? Would like to rebalance to 60/40 Bonds/Stocks over next 10 years.
- Posts: 2941
- Joined: Tue Jan 05, 2010 1:11 pm
- Location: Philadelphia PA
Sounds like you are doing fine.
I do not know why so many people waste so much time worrying about a bond debacle. They are still less volatile than stocks and no one seems to be worried about stocks these days.
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- Joined: Mon Sep 07, 2009 2:57 pm
- Location: Milky Way
You need to be aware that based upon history, the risk in your stocks is far greater than the risk in your bonds over the next 10 years.
Best regards, -Op | | "In the middle of difficulty lies opportunity." Einstein
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