Reply to Would you choose bond or "real 3%" investment if you were me?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]PP here - old thread, but relevant now as much as it was then (in case you just want to know the bottom line, they said the world bank real + 3 is just hard to beat, so go for it)

[url]https://www.bogleheads.org/forum/viewtopic.php?t=156274[/url][/quote]

Thanks PP for finding this thread for me ! This is perfect. And yes to others who asked: it is the World Bank CPI+real 3% option, no fee, and it is probably subsidized/guaranteed by something else. i dont have much doubts that it is extremely safe.

I thik i am going to put 100% of my bond allocation into it. My only doubt now is whether 90% stocks/ 10% Real 3% makes sense.. Maybe the real 3% is so good I should do 80/20 or 70/30 instead? WWYD?[/quote]

keep your allocation to 10%.  split the remaining 90% between the S&P and Russel 2k - you want to take full advantage of the last 2 months of the year where the market traditionally rises.  Keep an eye on the Fed decision regarding rates too.  You can always [self] correct the allocation every month, you just need to pay attention to what's going on and the calendar (you have the adjust the allocation before the final day of the month in order for the changes to be reflected the very next month).  So you've missed the opportunity to adjust for November but you can still adjust for December.[/quote]

Thanks ! I did change it right before nov 1st to 10% to the real 3%. From all of what you are saying i am assuming you also work at the Bank? May i ask your age and allocation :) ? And how long you have been invested the way you are? [/quote]

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