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Vanguard has released a report that describes the investing behavior of the 5 million households that make up their client base.

I found three things interesting.

Page 10 -- the chart showing actual "asset allocation by age" and what Vanguard's Target Date Funds recommend for someone of that age. Actual assets allocations for those age 60+ have up to 30% more stock than the target date portfolios.

Page 17 -- Extreme asset allocations -- about 15% of account holders over age 65 are running with 98%+ stock

Page 50 -- Extreme Allocations and COVID. During the March 2020 28% market drop on COVID fears, people with extreme allocations "stayed the course" and maintained their asset allocation. That has certainly been my behavior over the past 30 years.

Report .pdf
https://personal.vanguard.com/pdf/how-america-invests-2020.p...

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