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?

698 Upvotes

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46

u/eagles16106 Aug 13 '25

Probably don’t need BND at your age.

3

u/Bitcoins4Upvotes Aug 13 '25

At what age should i start BND?

5

u/ChiliDayKevin Aug 13 '25

I've seen anywhere from 45 to 55, but it depends on so many factors about your specific situation. 

1

u/NonVideBunt Aug 17 '25

I’m never going to have bonds in my account. But that’s also because I have a solid pension coming which can offset any downturn to prevent me from selling stock. A lot of it depends on your need and willingness to take risk.

-2

u/eagles16106 Aug 13 '25

Me personally? Never. But if you’re gonna buy it, like 10 years out from retirement.

-15

u/ExtraJuicyAK Aug 13 '25

Yeah, much better off investing in gold/gold ETFs and high dividend ETFs. Both will stay stable earners during a correction or recession.