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Strategies & Market Trends : Value Investing

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To: Investor2 who wrote (47822)	5/7/2012 10:42:57 AM
From: Dan Meleney	1 Recommendation Read Replies (2) of 78748

Asset Allocation - the formulaic age dependent ratio approach ignores specific situations. For example, if you don't need to draw down balances, more equities may be in order even for someone over 80. If you need to pay huge tuitions soon, more bonds might be better for a few years even if you're just 50. If I knew I had just X more years to live, I'd have more bonds as I closed in on that date, but my crystal ball is lacking such insight. With 3 grandparents reaching 94+, I doubt I'll be anywhere near 20%bonds at age 80. Another formula you might noodle over is: 1 or 2 years' expenses cash, the rest equities.

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