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Subject:  Re: Is a 70/30 split ok for 33 yr old - coffeeho Date:  1/16/2004  10:13 PM
Author:  cliff666 Number:  38600 of 88027

You MIGHT be missing out on some growth that a 100% stock portfolio would provide but you are also adding a lot of risk reduction.


If by "risk" you mean standard deviation, it is true that an all-equities portfolio will have more variability. I assert that over a 20-year period this will be insignificant. I have seen a number of studies based on the Ibbotson data which shows that (even in retirement) no more than 20% fixed income is better.

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