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Tend to agree more with one of the poster. It is important to consider the investor's risk tolerance first before constructing an asset allocation.
Reading this article for fund choice ideas might be OK, although indexing is probably a better choice. I do not agree that the average 45 yo should be 81% in equity.
Basically if you need to read an article like this to determine what your stock/bond allocation should be, then holding 20% LESS than your age in bonds is too aggressive for you and will likely lead to poor choices during corrections and bear markets.
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