Search found 998 matches

by StormShadow
Sun Apr 16, 2023 12:24 pm
Forum: Personal Investments
Topic: Would you dump $800k in the market right now?
Replies: 120
Views: 17350

Re: Would you dump $800k in the market right now?

Yesterdaysnews wrote: Sat Apr 15, 2023 2:53 pm But seems like market is overvalued right now considering macro factors. Recession is likely.
And you know this… how?

My recommendations is to read about asset allocation and risk tolerance. The answer becomes very easy after you do this.
by StormShadow
Sat Apr 15, 2023 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $2M home?
Replies: 70
Views: 11088

Re: Can we afford a $2M home?

You can easily afford the house. Visit the southern California area and similar priced properties are owned by folks who make a heck of a lot less than you do.

I'd make the move and buy the house. My philosophy is: happy spouse happy house. Its impossible to put a price-tag on that, but I do my best to achieve it.
by StormShadow
Sat Feb 04, 2023 9:53 am
Forum: Personal Consumer Issues
Topic: Used RAV4, CR-V, or Santa Fe?
Replies: 41
Views: 3471

Re: Used RAV4, CR-V, or Santa Fe?

We bought a used RAV4. It’s been 10 years and still absolutely no regrets. That car is a tank.

Preowned Toyota’s sell at a premium for good reason.
by StormShadow
Wed Feb 01, 2023 11:11 pm
Forum: Investing - Theory, News & General
Topic: Should people start out conservative or aggressive
Replies: 50
Views: 4721

Re: Should people start out conservative or aggressive

My thoughts:
* If you're young and have a lot of earning years ahead of you, then yes an aggressive investment style should work out great if you stick with the plan (i.e. buy low, sell high).
* Most people (vastly) overestimate their risk tolerance and don't stick with the plan. They tend to make poor investment decisions when the market inevitably crashes (i.e. sell low).
* A relatively conservative portfolio with a comfortable/steady investor will beat out an aggressive portfolio with a skittish investor who jumps ship at the first sign of trouble.
* There is value in peace-of-mind (i.e. your health).
by StormShadow
Wed Feb 01, 2023 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: HomerJ - 15 years and 20,000 posts
Replies: 59
Views: 5933

Re: HomerJ - 15 years and 20,000 posts

Congrats on your upcoming retirement and hitting the 20k mark!

Thanks for the words of wisdom! :beer
by StormShadow
Tue May 10, 2022 12:52 pm
Forum: Personal Consumer Issues
Topic: Tire change at a Lexus dealership: are these costs reasonable?
Replies: 54
Views: 7067

Re: Tire change at a Lexus dealership: are these costs reasonable?

Its a tire. Go anyplace to replace them.

I use my local mechanic for my BMW. He orders the same Michelin Pilot Super Sport tires that are used by the dealership.
by StormShadow
Tue Apr 26, 2022 10:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066581

Re: What Movie Have You Recently Watched?

Trying to enlighten our 11 YO granddaughter with the classic comedies from the 80"s and 90's. Rented "Planes, Trains and Automobiles" on Prime last night. A few too many F bombs, but an enjoyable effort by 2 comedians in their prime. She enjoyed it and we enjoyed watching her enjoy it. We are going to wait a couple years on Animal House, assuming it hasn't been fully cancelled by then. :oops: Have you shown Back to the future to her? My son loved it when he was that age. Also Short Circuit. And Princess Bride. Great for all ages. My kids always fight us over watching 80's movies...then they end up being some of the favorites. Back to the Future, Princess Bride, Karate Kid, BeetleJuice, PeeWee's Big Adventure, etc. Lots of gr...
by StormShadow
Fri Mar 25, 2022 11:47 am
Forum: Personal Investments
Topic: Help advising 20yo niece
Replies: 19
Views: 1459

Re: Help advising 20yo niece

Roth IRA is a perfect option. Just VTI is fine at this stage. Can add bonds once her total portfolio grows significantly (I'd say not until $30-50k saved).

The most important thing for her to do now is to focus on advancing her career, save/invest regularly and avoid lifestyle creep.
by StormShadow
Fri Feb 04, 2022 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice - Associate Degree
Replies: 26
Views: 2798

Re: Career Advice - Associate Degree

How about medical clinic receptionist.

Those with a great attitude and work ethic can get promoted to office coordinator and office manager pretty quickly.
by StormShadow
Tue Jan 18, 2022 12:55 pm
Forum: Investing - Theory, News & General
Topic: 2022 Hedge Fund contest
Replies: 320
Views: 35926

Re: 2022 Hedge Fund contest

Please close out my position at ATVI by today's close.

Thanks!
by StormShadow
Sun Jan 09, 2022 11:25 pm
Forum: Investing - Theory, News & General
Topic: 2022 Hedge Fund contest
Replies: 320
Views: 35926

Re: 2022 Hedge Fund contest

Name: We don't talk about crypto, no, no, no

LONG:
Activision Blizzard ATVI
Disney DIS
Nvidia NVDA

SHORT:
Carnival Corp A CCL
MACYS M
by StormShadow
Tue Dec 14, 2021 1:42 pm
Forum: Investing - Theory, News & General
Topic: Why not 100 percent S&P 500 Index Fund
Replies: 103
Views: 101411

Re: Why not 100 percent S&P 500 Index Fund

tvubpwcisla wrote: Tue Dec 14, 2021 12:39 pm So the dumb question is, why not have 100% of your portfolio in a low cost S&P 500 index fund and hold forever?
No, this is a great question. Jack Bogle asked the same thing… and that’s why we have Vanguard.

Personally, I have no problem with recommending an S&P500 index fund. My wife’s friend invests mostly in VOO (Vanguard’s S&P500 ETF), and has been doing very well.
by StormShadow
Mon Nov 08, 2021 3:13 pm
Forum: Personal Investments
Topic: Edward Jones and my in law
Replies: 39
Views: 5804

Re: Edward Jones and my in law

Nate79 wrote: Sun Nov 07, 2021 4:44 pm Tell him to use Vanguard PAS. 0.3%

I think all the ideas about using low cost funds at EJ are humorous.
+1

Recommend Vanguard instead. That’s it.
by StormShadow
Fri Oct 29, 2021 7:27 pm
Forum: Personal Consumer Issues
Topic: Replacement or new installation windows?
Replies: 5
Views: 1155

Re: Replacement or new installation windows?

Thanks for the replies, guys! We are in the suburb of major city in the Mid-Atlantic region. I'm guessing that has something to do with the high quotes. Pella was the first quote we got and rather eye opening (supposedly only lasts 15 days which just passed... not sure if that makes a difference).

House has stucco siding on wood. Had a stucco inspection 5 years ago, water penetration underneath only one window that was underneath a leaky gutter (gutter since replaced).

Our roofer is in his early 40's. We met him through a friend who is an HVAC contractor.
by StormShadow
Fri Oct 29, 2021 5:23 pm
Forum: Personal Consumer Issues
Topic: Replacement or new installation windows?
Replies: 5
Views: 1155

Replacement or new installation windows?

So our windows (28 total) are at end of life and looking to replace them. They are wood. Original owner (built 1989) never had windows repainted and there is rot underneath most of the windows with extensive staining inside the windows from air leak/penetration. Got quotes from Pella rep (who strongly recommended wood signature series for $66k to match our neighbors houses but also priced vinyl Pella 250 at about $49k), Renewal by Anderson ($44k for half the windows), Home Depot (using Anderson 100 series for $46k) and another local installer (vinyl Provia at $49k). All of those guys recommended new installation, but then we had our roofer stop by today by who says that replacement is just fine and didn’t think new window installation was n...
by StormShadow
Sun Aug 22, 2021 8:36 am
Forum: Personal Consumer Issues
Topic: I really want a car but don't need one: Please help
Replies: 64
Views: 7824

Re: I really want a car but don't need one: Please help

I used to live in Boston. Agree with all the negatives of owning a car there (ugh, especially dealing with the winter parking wars).

That said, I can’t imagine living in Boston without a car.

1. As much as I detest traffic, I love driving.
2. Makes shopping (especially groceries) a lot easier.
3. The T sucks.
4. While Boston can be a fun town, it’s not NYC. It’s really nice to be able to escape for the weekend without much planning.

FWIW, everyone I knew in Boston had a car.
by StormShadow
Sun Aug 22, 2021 8:09 am
Forum: Personal Consumer Issues
Topic: <60k small-midsize SUV?
Replies: 46
Views: 4439

Re: <60k small-midsize SUV?

gogreen wrote: Fri Aug 20, 2021 2:18 pm My wife wants a new car and she test drove lexus nx/ux/rx
RX is a little bit large for her. What other cars can BH suggest in this category? I scheduled BMW x2/x3 and genesis g70 test drives, but I'm not a big expert in modern auto market :?
Was thinking of getting the new Lexus NX 450h+ for DW. In retrospect, kind of silly considering the premium over a regular NX which is already a terrific car. I like the X3 but I keep hearing about reliability issues. Macan is another car I really like, but I would want the S model which would push it just past $60k new and also would worry about reliability.

For compact luxury SUV, these would be my rec’s.
by StormShadow
Thu Jul 29, 2021 3:06 pm
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 522
Views: 56350

Re: How much Gold do you own and why?

Probably about 1% in precious metals (mostly bullion coin). Satisfies my Scrooge McDuck itch.

Image
by StormShadow
Mon Jul 19, 2021 4:40 pm
Forum: Personal Investments
Topic: How to invest $1,000,000 sudden windfall ??
Replies: 51
Views: 10745

Re: How to invest $1,000,000 sudden windfall ??

anon_investor wrote: Thu Jul 15, 2021 6:32 pm Put 100% into VTI and chill. If the market crashes, then tax loss harvest into VOO.
+1, though I wouldn’t blame anyone for DCA part/all of this. Stock market starting to show some COVID wackiness again.
by StormShadow
Sun Jul 11, 2021 7:02 pm
Forum: Personal Consumer Issues
Topic: Frugal car buying/leasing in this nutty market
Replies: 35
Views: 4928

Re: Frugal car buying/leasing in this nutty market

In this instance, I'd sell the car to a dealership. Let them deal with making the necessary repairs and potential liability of the car.

Would rather buy a new car than a used one, since the used car prices right now are really out of wack.
by StormShadow
Mon Jun 21, 2021 11:42 am
Forum: Investing - Theory, News & General
Topic: Why hold bonds? (again...)
Replies: 160
Views: 15035

Re: Why hold bonds? (again...)

reln wrote: Mon Jun 21, 2021 11:26 am There is no point to holding bonds at any age.
Hmm...
Those who cannot remember the past are condemned to repeat it.
- George Santayana
I've been through three market crashes so far during my working years (in my 40's). Throughout that time, I've kept a fixed percent of my asset allocation in bonds and it has served me well. I plan to continue to do so.

Stay the course, folks.
by StormShadow
Thu Jun 17, 2021 12:07 pm
Forum: Personal Investments
Topic: How to avoid high fees for 403(b) investments?
Replies: 19
Views: 1166

Re: How to avoid high fees for 403(b) investments?

Nate7out wrote: Thu Jun 17, 2021 11:36 am You would have to check your employer's summary plan description to see if in service rollovers are allowed. This is not common.

I would just contribute the max I could afford and use the S&P 500 fund with the 0.4% ER. That's not too bad. Build the rest of the portfolio around that.
+1

100% with Equity Index (GEQZX) at 0.40% ER is reasonable.
by StormShadow
Wed Mar 10, 2021 2:51 pm
Forum: Investing - Theory, News & General
Topic: The bond market is a mess and there are no solutions!
Replies: 232
Views: 34651

Re: The bond market is a mess and there are no solutions!

Always passive wrote: Wed Mar 03, 2021 6:21 am A good article on the biggest present dilemma in the past 20 years(my words).
Hmm, I kind of thought the Iraq War, ISIS, subprime mortgage crisis and COVID-19 pandemic were slightly bigger dilemmas than deciding whether or not to buy US treasuries in 2021. But, shucks.... what do I know.
by StormShadow
Sat Mar 06, 2021 12:50 am
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 266
Views: 26693

Re: Were You Around During Dotcom Bubble?

Let us see if anybody remembers these "very hot" picks? 20th Century Ultra Janus Venture Janus T Rowe Price Sci & Tech Wasatch Microcap Fidelity Magellan I was still contributing to them until last few years :oops: I am still holding all of them except the Magellan which I moved in to indexed fund. At least now I take the annual distributions and move them to indexed fund. I learnt that from this forum. absolutely. at various times (1993-2003-ish) had: Janus Janus Mercury Janus Twenty Janus Global Technology TRP Sci Tech TRP Blue Chip Growth Twentieth Century Ultra they - and others - were the 'hot' funds back then ! :happy I did several of them as IRAs which have long since been rolled over to Vanguard. ---------------------...
by StormShadow
Tue Feb 02, 2021 12:33 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 396813

Re: [GameStop GME trading mega-thread]

rchmx1 wrote: Tue Feb 02, 2021 11:10 am
JonnyDVM wrote: Tue Feb 02, 2021 11:06 am Ok that was fun but anyone buying right now hoping for a big bounce back? You’re crazy imo. Feel free to quote me on this when it inexplicably bounces back to $300.
Ya, I watched it drop to $80 and was just, "No thanks." I've had my fun.
Back to life, back to reality
Back to life, back to reality...


Considering all the threads about gold bugs, bit coiners and now short squeezers... I’m wondering if I should recommend Bogleheads for financial advice any more.
by StormShadow
Fri Jan 15, 2021 5:51 pm
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 290
Views: 28013

Re: On what are you most bullish?

The US consumer.
by StormShadow
Fri Jan 15, 2021 5:40 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 6040

Re: Simple but fun cars

Any manual transmission.

I have an M2. Love it.
by StormShadow
Thu Jan 14, 2021 1:23 pm
Forum: Investing - Theory, News & General
Topic: Looking for stats: Average/Median age when $1M networth (household) is attained?
Replies: 65
Views: 11350

Re: Looking for stats: Average/Median age when $1M networth (household) is attained?

Median net worth of US retirees is $201,500. Most people don't become millionaires.
by StormShadow
Tue Jan 12, 2021 8:14 pm
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 269
Views: 31338

Re: 2021 Hedge Fund Contest

Rick Ferri wrote: Mon Jan 04, 2021 4:01 pm East-West Fund

Short TSLA
Long GE

Third time's a charm! :wink:
Whoops! Sorry, didn’t realize we picked the same stocks! That’s crazy. 🤣
by StormShadow
Sun Jan 10, 2021 11:52 am
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 269
Views: 31338

Re: 2021 Hedge Fund Contest

Fund: Magneto

Long: General Electric GE

Short: Tesla TSLA
by StormShadow
Wed Jan 06, 2021 11:25 pm
Forum: Personal Consumer Issues
Topic: Nurse practitioner as primary care provider?
Replies: 76
Views: 7939

Re: Nurse practitioner as primary care provider?

Disclosure: I'm a physician.

I'm sure there are qualified NP's out there providing superb primary care, but it is extremely hard to screen them for competence. Also, the degree of physician supervision can be nearly non-existent (or in certain states, literally/legally non-existent).

Most of the time, probably no problem with receiving quality medical care.

Rarely, something catastrophic might be missed.

Personally, I plan to stick with a physician as a primary care provider.
by StormShadow
Wed Jan 06, 2021 11:04 pm
Forum: Investing - Theory, News & General
Topic: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“
Replies: 185
Views: 13999

Re: “Bitcoin's emergence as 'digital gold' could lift its price to $146,000, says JPMorgan“

That is insane. I can not imagine the carnage when it goes the other way. Tony What is this carnage you speak of? There's a few categories of Bitcoin people. People who got it for a $1 or so a coin. If they haven't realized they are millionaires at this point, (and sold / adjusted their risk), they should have done so by now, or never are going to. People who bought during the last craze. They bought and either sold during a panic, or held. People who are buying now. (At this point anyone buying bitcoin should KNOW how big of a risk it is and have that calculated into their risk tolerance). (If it goes to 5x or 2x or 10x, they should know what their plan is for that). What did Mike Tyson say about plans? *POW* Everybody has a plan until th...
by StormShadow
Fri Jan 01, 2021 3:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066581

Re: What Movie Have You Recently Watched?

Soul on Disney+. Solid movie, not quite up to par with Inside Out.

Tenet. Mind twister of a film. I enjoyed it. I especially liked the cinematography which is reminiscent of those late 80’s/early 90’s films which is my favorite generation of films. If you like Interstellar or films by David Lynch (e.g. Mulholland Drive), you certainly should watch Tenet. It’s best to see it without knowing anything about the film.
by StormShadow
Sun Dec 20, 2020 5:41 pm
Forum: Investing - Theory, News & General
Topic: "Don't sell stocks when they're down..." What is "down"?
Replies: 44
Views: 3896

Re: "Don't sell stocks when they're down..." What is "down"?

22twain wrote: Sun Dec 20, 2020 7:58 am In a another thread, I've seen yet again the mantra. "don't sell stocks when they're down." The specific context was sequence of returns risk in retirement.

I'm curious, what do people consider as "down"?
Buy low, Sell high.

When is it low or high... nobody knows.

This is the whole purpose of coming up with an asset allocation and rebalancing.
by StormShadow
Mon Dec 07, 2020 5:29 pm
Forum: Personal Investments
Topic: 60/40 at age 35?
Replies: 39
Views: 4433

Re: 60/40 at age 35?

Questions: 1. Is 60/40 too conservative for our age, we actually considered a 50/50 AA? I don't feel we have the need to be too aggressive based on our current portfolio and how much we are investing each year. 2. Is the 5 year CD ladder a bad idea for us due to tax rate? It's something we started about 8 years ago, but anything else we could do with this money to be more tax efficient? Plus CD rates appear that they may be very low for the next few years at least. 3. We have about 40k to invest in a CD or other investment vehicle in January, should we use it to pay the vehicles off with the low interest rate? 1. It’s a little conservative and perfectly fine if you are comfortable with it. 2. 5 year ladders are a great way to optimize your...
by StormShadow
Tue Dec 01, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: Who's keeping Netflix now? (price increased to $13.99)
Replies: 215
Views: 19858

Re: Who's keeping Netflix now? (price increased to $13.99)

fsrph wrote: Tue Dec 01, 2020 8:45 pm I agree. I may be in the minority but I don't see a lot I want to watch on Netflix. Almost every time I search for a movie, it isn't there. And these aren't new movies. I'll probably drop it. It's not about the $1 increase, it's that I'm not using it much.

Francis
+1

I’m finding that there isn’t as much new stuff that I find interesting. I previously enjoyed seeing older films from the 90’s/early 2000’s. But now, it’s kind of meh. A lot of it is foreign language shows which aren’t my thing.

Right now, the biggest benefit is for my young daughter who loves the cartoons.

Will play it by ear, I guess. Also have Disney Plus and NFL Gamepass. Still a lot cheaper than cable TV.
by StormShadow
Fri Nov 27, 2020 12:06 am
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 313
Views: 45793

Re: Bitcoin: What is it, in Plain English

I’ve said before that I find everything about Bitcoin fascinating. Still do.

I also feel that the hysteria and run-up on Bitcoin screams Dot-com bubble.
Those who do not remember the past are condemned to repeat it.
Buyer beware.
by StormShadow
Tue Nov 24, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 313
Views: 45793

Re: Bitcoin: What is it, in Plain English

The world changes and older generations don’t always understand the new wave of things. Kids these days are addicted to YouTube and social media. Packages arrive within a day from Amazon and most younger people prefer air bnb houses vs hotels. Cursive is taught very little in elementary school and the way we all learned math is no longer taught in most elementary schools. Nobody would have predicted this stuff 10 years ago. I don't know if I've seen more non-sequiturs in a single post. What does Amazon, YouTube, social media, cursive, and Airbnb have to do with Bitcoin? Absolutely nothing. The argument is we’re old and therefore must be Luddite. And thus, we can’t possibly understand BitCoin. Basically, bg5 is making an argument for ageism...
by StormShadow
Wed Nov 18, 2020 4:52 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 34161

Re: Taylor Sends His Best to Fellow Bogleheads

Hope you’re feeling better!! :beer
by StormShadow
Sun Nov 08, 2020 12:59 pm
Forum: Investing - Theory, News & General
Topic: Is Your 401(k) Too Conservative? Too Aggressive?
Replies: 13
Views: 1592

Re: Is Your 401(k) Too Conservative? Too Aggressive?

Its just right, thank you very much.
by StormShadow
Fri Nov 06, 2020 12:00 am
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 380
Views: 37833

Re: Is anyone waiting until after the election?

A couple of nice buying opportunities during the market dips leading up to the election. Had some extra cash from my paycheck that I put to work getting VTI and VXUS a few days ago. I’ve stayed fully invested. No regrets.

Be greedy when others are fearful.
by StormShadow
Tue Nov 03, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What are the financial risks of not owning a house?
Replies: 106
Views: 12314

Re: What are the financial risks of not owning a house?

rgs92 wrote: Thu Oct 15, 2020 7:52 am If you just decide to never own a house (or any real estate) long term, is that a risky proposition? Thank you.
No.
by StormShadow
Sun Nov 01, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Toyota Rav4 or Subaru Forrester
Replies: 48
Views: 4953

Re: Honda CRV, Toyota Rav4 or Subaru Forrester

Enzo IX wrote: Fri Oct 30, 2020 1:30 pm Out of the above 3 choices, which car do you people prefer or have experiences with both good and bad, I have little experience with any of them other than YouTube videos.

It would be a daily driver for a middle aged woman.
We have a RAV4. I recommend a RAV4. :mrgreen:
by StormShadow
Sun Nov 01, 2020 9:07 pm
Forum: Personal Investments
Topic: How to invest my Roth IRA contributions during election?
Replies: 12
Views: 1165

Re: How to invest my Roth IRA contributions during election?

DexMax wrote: Sun Nov 01, 2020 8:32 pm Hello,

I recently turned 18 and I just opened up a Roth IRA with Vanguard. I'm planning on buying VTSAX, and I have about $5000 that I can contribute. However, I'm a bit unsure if I should invest it all as a lump sum or dollar cost average, especially with the election right around the corner. Obviously, I don't want to try to time the market and make predictions about the election, but would buying right before the election be a good idea?
$5k will be a drop in the bucket, by the time you retire.

So, lump sum now. Keep adding as much and as frequently as you can. You’ll be able to do that more effectively by increasing your salary... so focus on increasing your earning potential.
by StormShadow
Sun Oct 18, 2020 2:58 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 380
Views: 37833

Re: Hedging the 2020 Election

Lensvik wrote: Sun Oct 18, 2020 4:02 am I know I cannot time the market
Then why are you timing the market? :oops: :oops: :oops:

This is Bogleheads. How do you think people are going to respond?

For the record, I plan to change... NOTHING.
by StormShadow
Sun Oct 18, 2020 2:50 pm
Forum: Personal Investments
Topic: At what age did you start moving into bonds?
Replies: 108
Views: 19155

Re: At what age did you start moving into bonds?

Started allocating a small percentage of bond funds in my early 30’s and have been gradually increasing the recent age. Glad I did, since I was able to rebalance during the most recent crash associated with COVID-19.