No. of Recommendations: 0
Here's how I'm looking at things, for myself and for managing my mother's retirement. I'll have 5 years of living expenses in cash equivilants. The rest in stocks. I avoid bonds because if you have to sell them early, you could loose money just like stocks. Bonds aren't the safe haven they've historically been made out to be. Besides, a good money market fund can give an excellent return and the 1% point you give up is well worth the liquidity.

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