The 3 to 5 yrs of bonds is intended for those who are retired based on investment income. Keeping all the money in stocks gives the best chance to keep up with inflation. The bonds cover the years when the stock market may be down, so it keeps you from being forced to sell stocks in a down market.If you have secure other sources of income: pension, social security, business income, etc, then you do not need bonds for the purposes described. Then 100% stocks would be OK. You would own bonds only for peace of mind if the stock market tanked and maybe for secure emergency funds.
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