Asset Allocation Strategies

[gfp927z]

Fwiw, my current model allocation looks like this (for a retiree) -

STOCKS (US) (30%) - Vanguard High Dividend ETF (VYM)------- 3.26%

BONDS (US) (50%) - Vanguard Total Bond Market ETF (BND) -- 3.34%

CASH - (10%) - Vanguard Federal Money Market Fund (VMFXX) - 2.06%

GOLD - (10%) - US Gold Eagles

You could also get a similar mix of stocks/bonds in a single vehicle using the Vanguard Wellesley Income Fund (40% Stocks/60% Bonds), or for a higher stock percentage you could use the Vanguard Balanced Index Fund (60% Stocks/40% Bonds). Either way, these should get through a bear market pretty well -

https://investorshub.advfn.com/Asset-Allocation-Strategies-36260/