Subject: Re: 100% Stocks
Re: the bucket strategy...

Current financial adviser conventional/standard wisdom outlines the following:
1: 1/3 cash/cash equivalents,TIPS ladders, short term treasuries. or at least enough to cover 3 years of (net) living expenses without withdrawing from growth Bucket. (net) living expenses are mandatory ones, not discretionary, net of "guaranteed" fixed income - SS, pensions, etc.

2: 1/3 intermediate term bonds/fixed income funds with moderate yields. 5-10y duration govt and corporate debt stuff.

3: 1/3 growth stock etfs/funds.

Rebalanced quarterly or 2x/year.

For this, they typically want a fee of .75% to 1.25% of AUM.

FC