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So it makes sense to have some volatility mitigation during the drawdown phase, and a bond allocation is one of the ways to do that.

Bonds are not as "less volatile" as one thinks. Plus, you have the 30-40 year bond bull market from the high inflation of the 80s which skews the numbers. Back in '08/'09 crash, all assets (stocks/bonds/commodities) had a correlation of near 1 and EVERYTHING went down.

Here is a good paper about getting S&P returns but 1/2 the volatility with a mix of 5 ETFs. I used this for several years until I changed my retirement philosophy towards living off stock dividends as well as rental property income. My returns during that time were what the article advertised.

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