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75% total stock market/25% total bond market

I'm not going to pooh-pooh a stock index fund, since I own quite a lot of SPY and VFINX, but I completely don't get why you own any shares of a total bond market fund.

I'd understand a bit more if you were FIRE, but if you're still building, stocks provide better returns at a cost of volatility. If you can afford not to touch the money for 5-10 years, the volatility isn't a hardship.

I don't really understand them for FIRE, either, since they have some volatility. If it's funds I can't afford to see lose value, I'd rather buy actual bonds to be held to maturity, or CDs, not a fund.

- Gus
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