For someone in their 30s, does the following allocations make sense? The goal is to have a fair amount of diversity and to more or less “set it and forget it”

55% VG INST 500 IDX 35% VG INTL STOCK IDX 10% VG TOT BD MKT IDX

I’m wondering if maybe there should be less in International and more in one of the other two, etc

  • Num10ck@lemmy.worldEnglish
    11·
    3 months ago

    the old school rule of thumb was you put your age in % into bonds. it really depends on your risk tolerance and how from your goals you are. dont take unnecessary risks.

    • Steve@communick.newsEnglish
      3·
      3 months ago

      That’s extremely conservative.

      The longer you’re in, the more “risk” transforms into volatility.

      Any day or year may be up or down, but as years become decades, that up and down becomes background noise to the general march upward.