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Of course an allocation of bonds makes sense. Just a question of what percentage and what quality of bonds you want. I "manage" or can at least complain, to those who manage my retirement income. Right now, I am trying to convince them to reduce both stocks and bonds and put most into cash (T Bills) which recently were yielding like 5%, better than bonds. Quality : I prefer only U.S. Treasuries; you will see why if & when we get into another severe recession.

Long term, bonds may tend to zero (due to runaway government debt, and the natural tendancy to repudiate that) but in normal times they make some sense in your portfolio.
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