re: Bonds

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I'm at 0 percent in bonds in my early 30s. Mistake?

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You can replace a lot of what bonds do for you with annuities, insurance policies, dividend stocks, etc.

Bonds, by and large, can't win, and barely beat inflation. If you want to hedge a little bit, maybe 10 to 15% in bonds. I know people who make money in bonds, but you almost have to be all in to do so. There is much of the risk of the stock market in bonds, with little of the potential gains. I used to have a decent allocation in my 401k and my TSP accounts. I'm 45 and I'm at 0% bonds right now.