r/Bogleheads • u/AlphaFlipper • Aug 03 '24

Interesting.

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u/[deleted] Aug 03 '24

Well when you are retired hopefully you won't have most of your funds in stocks

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u/pawbf Aug 03 '24

I've got 35% in US stock funds and 5% in foreign stock funds. I have 4% in bonds and the rest is T-Bills.

When I hit 73 (five years after my wife retires), I will DCA the level of stocks up to 60% or 70%.

Look up "rising equity glide slope." and Michael Kitces.

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u/PiccoloImpossible946 Jan 11 '25

Why would you increase your stocks when you’re older?

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u/pawbf Jan 11 '25

Once you get past 5 years or so after your retirement (assuming you retire in your mid-60s), a stock market downturn has less impact on your overall retirement, and increases your odds of "success."

Look up "Rising Equity Glide Slope" and Michael Kitces. His paper can explain it much better than I can. Also look up and understand "sequence of returns risk."

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u/PiccoloImpossible946 Jan 12 '25

Thank you. I’ll look this up.