re: Is Modern Portfolio Theory Dead?

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There’s a real chance that the opportunity you find or emergency you have comes at a time that sp500 is down (and maybe even down big).

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This is why I like the mix that still has a pretty large cash position…with a potential shift to bonds if it looks like rate reductions start moving to the forefront. Having dry powder earning 5% seems like a good play.

Also I’m 52 so horizon for needing IF nothing else comes up in meantime is around 8 years. However this would also be our new car, home repair, kids need something, etc money so I want to be pretty conservative.

ETA: thanks for all of the responses.