Why you need bonds in your portfolio

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I recently wrote why you need bonds in your portfolio. I do have a confession to make, in my retirement accounts, I invest 100% in stocks.

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When I made the case as to why you need to have some of your portfolio allocated to bonds, I outlined the conditions necessary for a 100% stock portfolio to make sense.

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Avoid Market Timing

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Let’s say I was 31 years old on the eve of the financial crisis and I had 100% of my retirement portfolio invested in the S&P 500.

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Why you should invest in bonds

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The standard stock-bond allocation for a diversified portfolio has been a 60-40 split between stocks and bonds. Historically, a 60-40 bond allocation has done quite well.

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The rule of 110 is a rule of thumb that says the percentage of your money invested in stocks should be equal to 110 minus your age.

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Right now I still have 100% of my retirement portfolio in stocks. As I get older I will become much more conservative and begin allocating more of my portfolio to bonds.

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[{"selector":"#anim-61135c19-6ce4-4d43-bf5d-5015aacf13e9","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-fa810310-5339-44fb-8f5a-bc258c046f68","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] The Future of Financial Advice is Human DIY Investors: Tips for Investing and Mistakes to Avoid Do You Really Have to Spend Money To Make Money?

Why you need bonds in your portfolio

I recently wrote why you need bonds in your portfolio. I do have a confession to make, in my retirement accounts, I invest 100% in stocks.