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Is it time to get some bonds?
fizio
Posts: 434 Forumite
I have a decent DB pension so have always had my DC into 100% equities - global or S&P trackers mostly - and this hasn't changed since I retired a few years ago. I am not too worried about the risk normally but there seems to be increasing talk of a correction as well as me thinking my longevity is decreasing over time. In addition I am thinking that, at some point, I will need to actually extract from the pension as I am not looking to leave a huge inheritance.
In the past I have ignored talk of corrections and all that as my timeframe was long enough to ride them out but I am now thinking maybe I need to rebalance and include bonds - especially as they seem to be providing reasonable returns these days.
There is a totally separate question of which bonds etc so go us/uk/global tracker or individual uk gilts maybe.. but thats a secondary concern right move.
I think I read a Vanguard report that was suggesting going from their 60/40 'default' fund to 30/70 - which seems excessive to me.
Just interested in what others are thinking about bonds now that the previous negativity has subsided.
In the past I have ignored talk of corrections and all that as my timeframe was long enough to ride them out but I am now thinking maybe I need to rebalance and include bonds - especially as they seem to be providing reasonable returns these days.
There is a totally separate question of which bonds etc so go us/uk/global tracker or individual uk gilts maybe.. but thats a secondary concern right move.
I think I read a Vanguard report that was suggesting going from their 60/40 'default' fund to 30/70 - which seems excessive to me.
Just interested in what others are thinking about bonds now that the previous negativity has subsided.
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