@calmmoneycoach: Bonds barely come up in finance content anymore. Returns trash for a decade. They crashed with stocks in 2022. So why do most retirees still hold them? The smart people actually disagree. Cederburg says 100% equity. Asness called that finger painting. Felix at PWL says bonds are riskier than people think, but his average client still sits at 60 to 70 percent stocks. The real question isn’t bonds yes or no. It’s whether you need that level of return for that level of volatility, at this phase of life. A 27 year old can ride a 40 percent drop. A 63 year old pulling income cannot. Don’t let the internet set your risk tolerance for you. Most people still hold bonds. That’s normal, not weak. Phase is everything.

Brian | Calm Money Coach

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Sunday 26 April 2026 22:24:05 GMT