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Strategies & Market Trends : Young and Older Folk Portfolio

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To: chriscrna who wrote (11437)	11/17/2024 3:02:03 PM
From: SeeksQuality	2 Recommendations Recommended By chriscrna jritz0 Read Replies (1) of 21904

Basically to lower beta, not looking to put more than 10% total in them. I see... That makes some sense, however JEPI and SPYI are the only ones with a beta below 0.80. Depending on how aggressive your portfolio is, the others might not lower the beta at all. (They would increase my portfolio beta.) Staples and Utilities will generally have a stronger impact on your beta than these funds will. You might also consider bonds. A broad-based bond fund will typically have a beta around 0.25, so even a small allocation to bonds can have a big impact on your portfolio volatility. Conventional advice doesn't recommend portfolios with 100% equity in or near retirement -- and while the last fifteen years have been horrible for fixed income, I believe that has largely normalized already. Long term rates especially continue to increase, with the 10-yr mostly sitting 4% to 5% over the last year and a half. They make much more sense today than they did in 2010 (when I more or less eliminated bonds from my portfolio).

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