Hello all, wanted to get some opinions from you. I am an investing novice, so please not too harsh with the criticism!
My current AA is: 50% US total stock or S&P 500, 25% INTL stock, 25% US bond. I'm happy with that equity/bond allocation, fits my risk tolerance. However, it seems that many people recommend slightly tilting my US stock holdings towards some small-cap value in order to increase returns. That sounds good, but then I was thinking if I really wanted to increase returns (and increase risk) then, why not just decrease my bond allocations from 75/25 to 80/20 or 85/15?
Why slice-and-dice on the equity side when I could just as easily decrease bond holdings?
My current AA is: 50% US total stock or S&P 500, 25% INTL stock, 25% US bond. I'm happy with that equity/bond allocation, fits my risk tolerance. However, it seems that many people recommend slightly tilting my US stock holdings towards some small-cap value in order to increase returns. That sounds good, but then I was thinking if I really wanted to increase returns (and increase risk) then, why not just decrease my bond allocations from 75/25 to 80/20 or 85/15?
Why slice-and-dice on the equity side when I could just as easily decrease bond holdings?
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