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I am not a believer in any kind of asset allocation.

I am sorry if I gave that impression but I did not state anything about asset allocation. I simply stated that there is nothing wrong someone that is 30 to have bonds in their retirement account. A lot of very wise people got out of stock (or reduced their holdings) in 2007 and put that money in bonds. You are a believer in tactical and strategic moves, just like those that made that change in 2007.

To better illustrate that point, as well as yours, Someone would have been better off over the last five years if everthing was invested in AGG (Bond Index) vs everything invested in the Vanguard REIT Index.

The OP decided to avoid bonds based on their age. I say bonds may or may not have a place regardless of your age.
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