I am 50/50 as an accumulator. I understand that this is conservative, but I have reasoning beyond...
this. It is not because I can't psychologically handle the reality of volatility. It is much more so that I can't predict the future. In my opinion, my 50/50 portfolio gives me enough exposure to equities to see growth in great market years, and enough exposure to bonds to receive stable income in poor market years. Am I going to miss out on some gains? Yes, I'm self aware of that, but I sleep well at night knowing the security of my assets. I am also confident in my ability to FIRE thanks to my conservative asset allocation.Why? Highest expected return.
Why Not? Can't psychologically handle the thought of volatility or the reality of volatility.
Statistics: Posted by ultrastar — Sat Jan 25, 2025 8:51 pm — Replies 165 — Views 11382