Bonds Suc&k...

[JOBO]

So you had 0% of your funds in equities in your 30's (and the rest in bonds), then you ramped up your equity percentage to >80% near retirement?

Kinda, I had no portfolio up until early 30's then was 90/10 equities/cash until leaving the workforce.

Could it be that you are plotting the VALUE of the investments that you have in equities?

Yes, its value. If you scroll down the article you'll see the left axis is value (blue line) and the right is equity exposure %
https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/

 

[Harris4crna]

I do not claim to be an expert. All I know is what I see. I have invested in my TSP for 20 years. Over this period I have made a total profit of 100k with a total portfolio balance of 265k. This included combo of equities and bonds.

I have put the same value (165k) in my VTI in 2020 and made the same profit in less than 4 years.

In 2022, I put 125k in crypto and in 1.5 years I have made 300% and now have a balance of 325k.

Needless to say, I no longer own bonds. I replaced my bond allocation with my military pension. I use fixed income to taper the volatility. My TSP is now 100% C-fund and still own VTI. What would it been if started investing like this 25 years ago when I started. I drank the 60:40 kool-aid. Sigh.......

 

[Out-to-Lunch]

Kinda, I had no portfolio up until early 30's then was 90/10 equities/cash until leaving the workforce.



Yes, its value. If you scroll down the article you'll see the left axis is value (blue line) and the right is equity exposure %
https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/

Yes, but I don't think that you are plotting the value of your portfolio, which is what Kitces plotted with his blue line. It appears that you are plotting the value of your equities (which is not either of the y-axes that Kitces provided). Am I correct about that?