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No. of Recommendations: 4
JohnH -

Out of curiosity, how do you interpret the fact that according to the post, 100% stocks has not been the optimal allocation in any of the 11 most recent 30-year periods?

As for the accumulation phase, I can give one counterexample of when you wouldn't want to be 100% stocks: when you are very close to your target. If you've only got 1 or 2 percent to go, it might make sense to work a few extra months for the sure thing rather than taking a big volatility gamble just to get the higher expected return of stocks.

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