Daily Archives: June 11, 2019


I Am Bonds – Asset Allocation Is Personal

Personal finance is always personal. It’s in the name. Yet many people forget about this. They want quick fixes by trying to use pre set formulas. Yes these can act as guidelines. But there is no substitute for taking into account ones needs and circumstances. Take asset allocation for instance. We all know the rules. Have X amount in stocks. Have X amount in bonds. Have X amount in commodities.   It’s strange that people follow these rules so rigidly and don’t take into account their own personal situations. The only individualistic factor I would say most people take into account is age – the proportion invested in bonds goes […]