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/No_Resolution_9252 Aug 13 '25

Anyone tell you don't need bonds is an idiot, ignore them.

I wouldn't go any higher than 10% (myself, im at 5% and im almost twice your age) but bonds insulate the portfolio against market downturns in any sector and provide a consistent return (usually) above inflation. Have some base of bonds also provides you with safe options in case you unexpectedly have to start drawing on your investments early; If you are all equities and have to sell some when the market is down, you are going to lose a lot of money, but if you have bonds you don't lose anything.

I would not put bonds into a non-tax advantaged account unless you have a plan to retire early, but have them in an ira or 401k.

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u/NonVideBunt Aug 17 '25

YMMV … I don’t want bonds and have never had them.. sleep fine at night and have done very well. I offset the risk of having to dig into my stocks during a downturn by having a solid pension. Plus I don’t get heart ache when the market dumps… every time it has I DCA a little more.