re: Almost 45 trying to determine where I want to be bond vs equity mix now that there is rate

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I haven’t changed anything in my 401k in 12 years. Just went and looked and my bonds were sucking arse. Moved it to S&P 500 because it was out performing everything else I’m in except for my company stock.

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At the end of a rate hike cycle? You’re essentially selling at the bottom… the time to get out of bonds was when the fed starting raising rates. JMO.

The window for bonds to rally WITHOUT stock is still pretty dang small though. That’s the perverse thing about them. Rarely do they ever outperform, even when they “should”. Rates get cut bonds will go up, but only for a bit. Eventually stocks will bottom and start to outperform. Of course this is assuming that rate cuts happen because something broke and needs rescuing. Not the Fed just cutting to cut. If that happens bonds are still going to underperform.