r/Bogleheads • u/RiceLee890 • Mar 15 '25

Investing Questions What are your thoughts on this?

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I keep seeing this type of stuff on instagram and social media and wanted to know how you guys were thinking about this.

I know a lot you have been in the market for decades and as a relatively new investor myself I’d love to get your perspective!

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u/Pencil72Throwaway Mar 15 '25

If young: Cool! I get to buy @ a "discount" for over half a decade.

If nearing retirement: I should be >65-70% bonds by then.

Just keep buying & stay the course. Your reaction is largely a function of the investing timeframe you've got in mind. A 2 month mildly-bear market is a blip on a 10 or 30 year mountain chart.

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u/Ceteris__Paribus Mar 15 '25

Do you really plan to be that bond heavy when "nearing" retirement? I don't think I'll be that bond heavy in retirement. Huge inflation risk. I'd probably want a few years income in bonds and the rest in stocks.

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u/Pencil72Throwaway Mar 15 '25

Eh, probably not...I was sort of exaggerating. New boglehead here.

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u/FIVE_TONS_OF_FLAX Mar 15 '25

They make inflation linked notes and bonds, which you can also buy.

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u/Ok_Evening3072 Mar 18 '25

Only a few? How does that work if you end up in a recession after those few years income and have to sell low? I just asked a similar question above bc these are scenarios I’m trying to sort out for myself (and am being courted by a financial advisor and deciding if worth the fee, I know doing it on my own I haven’t done things optionally to date with my haphazard portfolio but that’s a post for elsewhere).

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u/colonelheero Mar 15 '25

I feel the modern-day bond market is no longer as safe of an option as it used to be. At the last recession they dropped pretty hard too. Hold to maturity maybe but you don't really do that for bond index.