That theory was proposed long ago, but it hasn't been predictive at all.JohnDoh wrote: ↑Mon May 09, 2022 7:27 amOTOH, I wonder if the fact that an ever-increasing share of the population is in retirement (and thus with relatively shortened time horizons) and actually living off their portfolios, will affect the course of events. It seems there's a greater chance of panic selling, etc. In any case, a 50/50 retiree would seem to be in a boatload of trouble at the moment.willthrill81 wrote: ↑Sun May 08, 2022 3:04 pmEven if the additional contributions aren't significant, the mere fact that you experience poor returns now vs. retirement is a significant benefit.TomatoTomahto wrote: ↑Sun May 08, 2022 11:52 amWe are still accumulators, but relative to our existing portfolio new funds aren’t moving the needle much. I’m hoping that we recover before we become decumulators.
Beyond that, bonds are doing about as badly as stocks. Long-term bonds are doing significantly worse. Where are those who panic going to hide, cash paying .5%?