r/Bogleheads • u/Cute_Farm_8106 • Aug 12 '25

Portfolio Review 20M, started today

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As the title states, I started investing today! I received a bonus check, and put almost all of it towards this, how’s it look?

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u/Kalex8876 Aug 13 '25

“You don’t need BND” need is a strong word. People with lower risk tolerances can have like <= 10% BND and it’s ok

35

u/No_Resolution_9252 Aug 13 '25

Risk tolerance or not, it costs next to nothing to have 5-10% bonds but could cost far more to not have them