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@balderas FWIW Jack Bogle recommended a minimum of 20% bonds for all investors of all ages, and had a very good reason for doing so. bonds smooth out volatility with very slight reduction in long-term growth, and bonds can beat stocks for some very long periods of time. in the 2017 edition of...

@bearers410 a few days ago, I made a chart for another question. it showed how from 2000-2016, the S&P 500 alone under-performed a 50/25/25 split of S&P 500, international and bonds.

@imnotcrazy 5% guaranteed is difficult to sneeze at. it's getting close to the 'equity risk premium', the amount you need to earn from stocks above a guaranteed risk-free return.

@j1991 maybe, maybe not. the S&P 500 returned less than 1%/yr average from 2000-2012. 5% guaranteed would be over 5x the return of the S&P 500 in this era.

@mosfet are you doing an apples to apples comparison? reddit seems to often compare everything to the S&P 500 (US large cap), over the last 5 years or other short periods. if Investment X doesn't beat the S&P 500 on those google charts (which don't include re-invested dividends), they...

@lucash why not? bonds beat stocks about 20% of 5-year periods. in fact, bonds beat the S&P 500 from 2000-2020. https://www.nytimes.com/2020/05/01/business/bonds-beat-stocks-over-20-years.html bonds are getting hammered right now, and anything that's beaten down is also usually a good...

@matrix80 the late Charles De Vaulx said on a podcast how Buffett was still beating the market pretty regularly, if you adjusted for the large cash holdings. https://www.morningstar.com/retirement/charles-de-vaulx-why-value-investing-has-slumped-will-rebound