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  • #16
    59% Vanguard Total Stock Market Index

    30% Vanguard Total International Stock Market Index
    11% Vanguard Total Bond Market Index 


    Is above too aggressive?


    I am 40 and I have been recommended 60/20/20 - to put more in Bonds 20% instead of 10%.


    Any advice?

    Thanks.

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    • #17


      Is above too aggressive?
      Click to expand...


      It all comes down to personal preference based on risk tolerance. I'm 41 and keep 10% in bonds. I link to five risk tolerance quizzes here.

      At retirement, I plan to hold 5 years worth of expenses in bonds  ($400,000) which will likely be in the range of 12.5% to 15% of our retirement nest egg, but will in all likelihood drift lower as a percentage as our nest egg continues to grow most years.

      Cheers!

      -PoF

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      • #18
        Solid advice from an adviser.   That beats 80% of the general market right there.

        Yes, could have garnered that from Bogleheads and here if one knew where to look --- which is half the battle.

        So Kudos for finding a good adviser that recommends sound advise.  Better that you found us for future contributions

         

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        • #19
          Do they have a good plan? Yeah, seems like it. Should someone be able to get that advise for less (or 0?) ? Yes.

          Did I? Oh no, I made much bigger mistakes getting here. Landing with a solid plan from day 1 is worth something. I'd happily trade the time, money and opportunity costs for a few k to be better prepared. But... some of use learn the hard way.

          Comment


          • #20







            Is above too aggressive?
            Click to expand…


            It all comes down to personal preference based on risk tolerance. I’m 41 and keep 10% in bonds. I link to five risk tolerance quizzes here.

            At retirement, I plan to hold 5 years worth of expenses in bonds  ($400,000) which will likely be in the range of 12.5% to 15% of our retirement nest egg, but will in all likelihood drift lower as a percentage as our nest egg continues to grow most years.

            Cheers!

            -PoF
            Click to expand...


            That's a nice collection of quizzes. I think I'd trade it all for one bear market though. Nothing that will teach you about your risk tolerance better than your behavior in a bear market. That's why I recommend you err a little on the conservative side until your first one.
            Helping those who wear the white coat get a fair shake on Wall Street since 2011

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