No. of Recommendations: 4
So my new thought is, assuming a retirement age of 65:

Under age 55: 100% stocks
At age 55: Switch to 75% stocks, 25% FIIs
At age 60 Switch to 50% stocks, 50% FIIs

And remain 50/50 until death.

Nick, I think you are on the right track. Historically, over the long term, stocks have out performed bonds. Holding bonds to make a portfolio less volatile while sacrificing long term returns makes no sense to me. While you may use a template like this as a general rule of thumb, of course it won't work for everyone. I would think you would have to take into consideration pension plans, SS income, real estate holdings, a person's risk tolerance, etc... to come up with the correct asset allocation.

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