u/675423107

I’m 35 and wondering how you all feel about my retirement allocation. I’ve decided 59% FXAIX, 11% FSPGX (because I still like the little bit of higher risk vs going all in on FXAIX), and 30% FSPSX.

I have zero bonds which I currently prefer at my age.

Any thoughts on my split? At what age would you say buying bonds becomes necessary?