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I agree that you don't need 15% in bonds.

Many do this simply to reduce their volatility. 15% in bond won't hurt her too bad and should give her some significant downside protection when the markets do make those 10%+ corrections.

Investing should always be tailored for the individual person and that often includes tolerance to downside volatility. I have seen way to many people pull out from an investment that is doing well, simply due to them not being able to emotionally handle a temporary loss.
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