The allocation you indicate is conservative. For a retiree it is ok, if you are risk averse and if you are confident your assets will cover your rising expenses in the future (due to inflation).Most in Fooldom prefer a somewhat larger equity position. That gives a better chance of keeping up with inflation. The minimum bond position is probably 5 yr of living expenses. I suspect in normal times 25% bonds/75% equities may be typical. But some may have somewhat higher bond allocations for now due to concerns about Europe, the economy, and the US debt problems.These days many are retired for 30 years or longer. In that time your living expenses will probably double at least once and maybe twice. That is why keeping up with inflation is so important.
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