sugar_in_your_tea OP ,

Agreed. Most financial advisors/retirement date funds won’t even go that conservative, most do 10% for the first 10-20 years, then gradually ramp to 40% for retirement over the remaining 20 or so years.

I’m personally in the “bonds aren’t worth it until near retirement” camp, but everyone’s risk tolerance is different. If I make a post about it, I’ll compare trying to time the market vs staying the course so people can get a good feel for what risk actually means.

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