What is your bond strategy as nearing retirement? I have 0% bonds, about 10 years from FI. Heard people start shifting IRAs to 60/40 as near retirement? Also, anyone plan to shift back to 90/10 maybe 3-5 years into retirement?

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Tuxedo, martini shaken not stirred. That's my Bond strategy.

For a more serious answer, I'm retiring next year and have 30% in bonds and equivalents, including long-term CDs. That works for me, as I'm retiring while in my 50s. No need to get significantly less aggressive at my age.

likesmartfunny

SM1 - My personal analysis covers my personal situation. I have no debt, a pension that will cover day to day expenses, including medical for my family, and am looking toward generating some level of generational wealth for my offspring. The 30% was a logical analysis looking at being able to manage the buckets of money I have (investment portfolio, pretax 401k, Roth 401k, CDs/Treasuries) and presuming a number of market corrections over the rest of my life. The allocation, which ends up like 15% bonds right now (rest is CD ladder/treasuries), will allow me to live off of each bucket as markets dictate, so that I can balance minimizing taxes and not selling depressed assets. YMMV.

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0% bonds forever

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I retired two years ago. I have no bonds. I currently keep approximately 13% (target is 10%; getting there by spending down) in cash; the rest in equities. Basically, the Warren Buffett personal finance plan but with a bit of foreign equities. I hate bonds and it was basically the bread and butter of my practice.

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Am 5-7 years from retirement with a current 90/10 split. I’ll try and make my way towards 70/30 as I retire and then might move back towards 80/20 after a few years if the first few years go well. Thinking my equity split will be 80% us and 20% international as well. I don’t know shit about bonds so it’s all in bnd as of now. I’m sure there’s better ideas out there.

I plan to glide linearly from my accumulation allocation (100% stocks, carry a mortgage) to my retirement allocation (probably 80% stocks, 20% FI, no mortgage) over the ten years prior to my intended retirement date.

Of course many things could come along to alter this plan.

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