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>> I've seen recommendations for percentages to hold in bonds based on one's age, which correlates with risk such that the older you are, the closer you are to retirement, so the more likely you'll need to preserve more (risk less) of your investments. We felt that we were willing to take a little more risk than indicated by the results of our questionnaire, so we put less in bonds and more in stocks. <<

Usually the old conventional wisdom for stock allocation was "100 minus age," but in reality I think that's too conservative. If one is going to use something this simplistic, I think 120 minus age is probably closer.

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