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(about 90/10, stocks to cash. just dont' like bonds
at all)

That brings up another subject I've always wondered about - why have any bonds at all?
If you are using bonds to limit volatility of your stock portfolio, why not just use cash (money market) instead since it is even less volatile than bonds (which sometimes move down right along with the stocks).

I read somewhere once that having a 60/40 stocks/bonds traditional portfolio would be better if it was 75/25 stocks/cash. Not only would the cash buffer the stock volatility better (having that much cash means you could ride out a big bear market) but the higher stock allocation may give you a higher long-term return.
Any thoughts?

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