No. of Recommendations: 1
I don't think anybody wants a decline of more than 20% - that said, I voted for the 60/30/10 -- With that you have 10% in cash - that is more than 3 years of spending. While the 2008 deal was a mess, the equity portion as measured by the S&P today is about where is was in early September 2008 - not at the 2007 peak.

The reason I chose that allocation is mostly because you want 40 years and over the long haul I believe the increased risk will be necessary.

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.