Personal Investments • Re: Help Me Understand my Bond Allocation and Develop a Strategy

... but I guess I should turn the question around to this: how do you treat your own bond allocation and what is your reasoning behind that?

I treat my bond allocation as a store of wealth that I may spend someday.

For tax efficiency purposes, I hold it in my traditional IRA and I use 80% total bond and 20% total international bond.

I watch the monthly interest payments roll in (continually reinvested) and the value fluctuate (but generally rise) over time.

When RMDs begin, I'll either spend the money, give it to charity, or stash it in my taxable investment account.

For me, it's really just that simple.

Regards,

Statistics: Posted by retired@50 — Thu Jun 20, 2024 8:40 am

---