My honest answer is there is no right or wrong here, its a matter of risk tolerance. There are some recent studies that discuss how 100% stocks has merit, especially with a longer time horizon. That is not me, on time but i do have a larger portion of money that i will never need so i can afford the risk. I went through the dot com bubble and the 2008 bank crisis, there is no worse feeling that seeing 70-80% of your portfolio getting wiped out if you need it or not. As others have said there are some safe alternatives that are inflation adjusted. I think with the ever increasing debt of the US and the need to sell more and more bonds to cover that debt, i think inflation is going to be a bigger problem in the next decade compared to the last. You can only get reliable inflation protection from Tips, I bonds and social security.I am about 8 years away from retirement and just can't see the sense in bonds. Someone please help me out here I know everyone tells me I need to do bonds to mitigate risk, I get that but with sub inflation returns aren't you just losing money to inflation. I've always done 100% equities and my it has done good. Heck even cash right now would be a lot better than bonds. What am I missing?
Statistics: Posted by Toadinlaw — Sat Jan 18, 2025 3:18 pm