I think 85% stocks, and 15% bonds is just fine. I dont know of many people that recommend 100% stocks, even at the young age of 22I agree. I even saw Jeremy Siegel, author of "Stocks For the Long Run" on TV last summer saying he now recommends a 20% minimum fixed income allocation for "any portfolio." I've seen charts in various places indicating that something like an 80/20 split limits volitility, while only marginally limiting upside when stocks rally
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