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zsimpson writes:

<< I'd like to recthis one again. When I read the post, my first thought was, "He's 34. Why are they putting some much into bonds?" >>

It's about "risk tolerance." There are many 34 year olds that simply do NOT have the "risk tolerance" to have too much in equities. Many people are simply not comfortable with the volatility of the stock market. And "risk tolerance" is not something you just decide on. A lot has to do with being able to manage their feelings when in the market and being able to sleep at night.
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