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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

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