Row 65604

Row ID: 65604 | Dataset Entry | Axioma AXP Content Repository

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>Let's make a distinction here. NEAR and DURING retirement, you need some percentage in bonds

For what it's worth, if you started the clock at the height of the dotcom bubble and invested in either a 60/40 or 100% stocks your 60/40 outperforms the 100% stock portfolio all the way until 2015. This is based on indexes, if you outperform in fixed income by 1.5% or so, which is pretty easy to do given that the indexes are ~70% treasuries and cap weighted, then that 60/0 bests the 100% stock portfolio all the way until 2018 or so depending on how much juice you get on the corporate side.

So I mean, I completely agree you don't need bonds until you're closer to retirement, but I also think most people underestimate by a good margin how long of a timeline we're talking about here, and how much not taking those hits during market crashes improves the performance over time.

FieldValue
text >Let's make a distinction here. NEAR and DURING retirement, you need some percentage in bonds For what it's worth, if you started the clock at the height of the dotcom bubble and invested in either a 60/40 or 100% stocks your 60/40 outperforms the 100% stock portfolio all the way until 2015. This is based on indexes, if you outperform in fixed income by 1.5% or so, which is pretty easy to do given that the indexes are ~70% treasuries and cap weighted, then that 60/0 bests the 100% stock portfo…
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-23
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Raw Record

{
  "text": ">Let's make a distinction here. NEAR and DURING retirement, you need some percentage in bonds\n\nFor what it's worth, if you started the clock at the height of the dotcom bubble and invested in either a 60/40 or 100% stocks your 60/40 outperforms the 100% stock portfolio all the way until 2015.  This is based on indexes, if you outperform in fixed income by 1.5% or so, which is pretty easy to do given that the indexes are ~70% treasuries and cap weighted, then that 60/0 bests the 100% stock portfolio all the way until 2018 or so depending on how much juice you get on the corporate side.  \n\nSo I mean, I completely agree you don't need bonds until you're closer to retirement, but I also think most people underestimate by a good margin how long of a timeline we're talking about here, and how much not taking those hits during market crashes improves the performance over time.",
  "label": "r/investing",
  "dataType": "comment",
  "communityName": "r/investing",
  "datetime": "2024-05-23",
  "username_encoded": "Z0FBQUFBQm5Lak1jLW9aME9Sb2JqZ3dOVUpuaEZwYTBjSzR4ZkNYVUxfSDY4ZlpjTVBTT05tVGMtenNUN3k2VjhTSkRzcm04aGlxdDZGa3hyeURJLWJyZ2ZwQ2FGQkJuTGc9PQ==",
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}
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