Isnt 60/40 or 70/30 the point - it insulates downside, but also limits upside. It is an "in-between". I think the concerns for those about the high CAPE are more impactful if you are nearing retirement (<10 years) and are 100/0, or 80/20. Maybe if one is concerned about CAPE, one should live at 60/40, and see how things turn out. It becomes risk tolerance. if one isnt concerned, then 80/20 or whatever might be fine. But every calculator i see, has more at retirement when having a higher equity allocation, so if you can stomach the ups and downs and not panic for a decade, you'll probably be fine no matter what you do. Assuming the US market recovers of course, and we arent in a prolonged situation like Japan, or black swans events that affect worldwide population whcih causes economic contraction.
Statistics: Posted by sambb — Sat Aug 23, 2025 8:31 am — Replies 82 — Views 5265