In this episode of Five Minute Finance, Matt Robison and Mike Morton tackle the age-old question: how much should you have in bonds? Spoiler: The old rules of thumb, like “your age in bonds” or “the 60/40 portfolio,” might be doing more harm than good. Mike lays out a smarter, more personalized approach using the “bucket strategy,” aligning your investments with short, medium, and long-term spending needs. They also cover why target date funds can be too conservative, and how to protect yourself from sequence of return risk in retirement.

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Learn more about Mike and my services at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/