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Subject:  Re: Is a 70/30 split ok for 33 yr old - coffeeho Date:  1/18/2004  1:27 PM
Author:  yobria Number:  38623 of 78166

>>I have my IRA split 70% equities and 30% bonds in a 7-fund coffeehouse portfolio.

Your allocation depends on two factors- your time horizon, and interest rates.

At 33, you retirement investments will likely be compounding for more than 30 years. With this time horzion, diversified stock returns have always outperformed bond returns. In fact, once you adjust for inflation and taxes, b