Trying to help a relative with some retirement planning. The traditional advice you see everywhere is to allocate more and more of your portfolio towards bonds/fixed income as you approach retirement. Often the end goal is something around 40-60% being bonds and the remainder being equities. The thought is that if there is a crash, the bonds will cushion your portfolio's downfall and preserve cash you may need for living expenses. I'm questioning if this is worth it. Looking at the 2008 crash an
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