The old rule was 'bond percentage = your age'. With life expectancy at 80+ and bonds yielding so-so, the new math is different.
This used to be a back-of-the-envelope job. Now it is one tap, but the logic has not changed. The old rule was 'bond percentage = your age'. With life expectancy at 80+ and bonds yielding so-so, the new math is different.
Stocks % = 110 − age. So a 30-year-old holds 80% stocks; a 60-year-old holds 50%.
Sequence-of-returns risk in early retirement can permanently damage a portfolio. Bonds dampen that risk.
US total market + international total market + total bond market. Rebalance once a year.
Should retirees hold any stocks? Yes — 40–60% even in retirement. Inflation is the bigger risk over 30 years than market drops.
What about crypto? Treat it like venture capital — under 5%, money you can afford to lose entirely.
Run your own numbers before you trust a rule of thumb. Two minutes saves a lot of regret.