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Subject:  Target Retirement Funds have too much in bonds? Date:  1/27/2011  2:10 PM
Author:  quinnt01 Number:  156 of 178

I'm 60 with plans to retire in about 6 years. My understanding is that a typical allocation for someone like me would be about 50/50 in bonds and stocks. The target retirement funds certainly reflect this allocation ratio, and given my inclination toward simplicity these kinds of funds have a lot of appeal.

My question is this: With all the talk about a bond bubble and how there is no where to go but down for bonds over the foreseeable future, does this kind of allocation still make sense? Wouldn't a bond-heavy allocation be relatively risky at this time?

If so, then where would one put the bond money? Some into more stocks and some into cash? commodities?

Thank you,
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