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By Rob Berger 4 Comments The allocation of your investments between stock and bond mutual funds is one of the most important asset allocation decisions you’ll make. Your Allocation Will Change Over Time: The allocation between stocks and bonds typically changes as your investing horizon draws closer. There is No One Right Answer: Although the rules of thumb discussed below are helpful, there is no one right allocation between stocks and bonds.
Your Tolerance For Risk Changes Over Time: In your 20s when you first start investing, you may not be concerned with a 30% drop in the market. At 40, according to this formula, I should invest 80% in stocks (120-40=80) and the remainder, or 20%, in bonds. Of course, in answering how much you can tolerate to lose, you must be brutally honest with yourself. I use a formula based on years left until retirement or financial independance rather than how old I am. Advertiser Disclosure: This site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.
Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice.


Investing in Bonds - Money 101, Lesson 7 - Money MagazineMoney's guide to investing in bonds provides top 10 things you need to know . Investing Basics - Money 101, Lesson 4 - Money MagazineLearn the basics of investing your money with these tips on how to make money in stocks, bonds and mutual .
Bond Investment StrategiesWhen considering a bond investment strategy, remember the importance of diversification. Best Stocks for 2012 - Today's Top-Rated Stocks - TheStreet RatingsWhile the risk-adjusted performance of any stock is subject to change, we believe that this fund has proven to be a good investment in the recent past. Somebody with 40 years to go before retirement will likely want far more invested in stocks than somebody who will retire in 5 years. As I discussed in the article yesterday about why asset allocation is important, understanding your tolerance for risk and desired returns will influence your allocation between stocks and bonds, and these decisions vary from one individual to another.
In your 40s with 3 kids and a 5 or 6 figure portfolio, a 30% drop in the market will take on a whole new meaning (trust me).
If your like me, you won’t really know how much you can tolerate losing until you experience it.
Opinions expressed here are author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser.


As a general rule, it's never a good idea to put all your assets and all your risk in a .
As a starting point, many view a neutral allocation between stocks and bonds to be 60% stocks and 40% bonds. That said, Bernstein’s chart is certainly a good place to start in determining your proper allocation between stocks and bonds. That means you should have some of all of the following: stocks, bonds, real estate funds, international . The point isn’t that my choices are best, but rather that the allocation between stock and bond funds will change over time. My overall finances are in good shape, so I want to put some of this money into the stock .



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