No. of Recommendations: 1
"The thing that says "everyone should do bonds as a percentage that is X" though, is crap.

Thought I'd share. If you disagree, YMMV."


This is an inflation adjusted chart. You do recognize inflation, right?

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How long did it take for the DOW to recover after 1929? Till 1954? That's a bit more than 3 years. Try 2 1/2 decades

Well...after 2008, how long did it take for the market to recover to the same level? Hmmmm.......lot more than 3 years. Try 5 years!

Look at your DOW chart for 1966....then tell me how many DECADES it took to get back to the same level!

Now tell me how 'recessions' only last 21 months.


https://www.macrotrends.net/1319/dow-jones-100-year-historic...


Remember, this is inflation adjusted....but your cost of living goes up right with inflation.

That is why Bernstein and others have always suggested that a 50/50 to 70/30% ratio is appropriate for a 30 year withdrawal cycle.

After you look at this chart and do the numbers, let me know if you think 100% stocks is appropriate...

t.
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