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Isn't a 6% ROR too conservative?

IMHO, not for someone approaching retirement in 11-12 years. A portfolio mix of 60% stocks, 40% bonds, would return 6% overall if the stocks returned 8% and the bonds returned 3%. (I believe Vanguard's short-term bond funds are currently yielding somewhere around 3.40, but as interest rates rise, even short-term bonds experience price decline, so I don't think 3% is unreasonable.)

Bush himself said in the SofU that as one got closer to retirement age they would be required to hold a larger percentage of bonds in their private account. (I no longer have the text of the SofU message, or I'd quote it for you.)


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