suggests a "90/10" rule for most: 90% in low-cost S&P 500 index funds and 10% in short-term government bonds for liquidity.
: Every dollar in a bond is a dollar not invested in stocks, which historically offer much higher long-term returns.
As of April 2026, many investors are using a "tiered" approach:
: Bonds typically provide a fixed, predictable stream of interest payments, which is a cornerstone for retirees.
Professional opinions on bonds vary widely based on their overall investment philosophy:
suggests a "90/10" rule for most: 90% in low-cost S&P 500 index funds and 10% in short-term government bonds for liquidity.
: Every dollar in a bond is a dollar not invested in stocks, which historically offer much higher long-term returns.
As of April 2026, many investors are using a "tiered" approach:
: Bonds typically provide a fixed, predictable stream of interest payments, which is a cornerstone for retirees.
Professional opinions on bonds vary widely based on their overall investment philosophy: