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Reply to "Allocation for retired couple"
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[quote=Anonymous]We have a similar amount of money and the way I look at it is that at least half of the money is for my children because it is very unlikely that we will ever need it. That half is invested in 100% equities because it will hopefully be a very long time before we both die and the kids inherit it. The other half is invested more conservatively but is still not a 60/40 split. FWIW, we do not use a financial advisor. When we did use one, they were too conservative, too costly, and did not beat the benchmarks.[/quote]
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