Quote:
Originally Posted by jc3900
So what is the concenses? I don't care about volotility if I am not going to touch the money for 35 years. So does that mean I go for 100% equity and then as the years pass, slowly start to build an allocation of bonds.
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If you truly will not touch it (meaning not pulling out $ into money markets when the market drops 20% in one week), then mathematically you want the highest possible return, which would be 100% equity. But just know that it may be difficult to watch your 401k returns go negative (as many have recently witnessed) without acting. That is why some people elect to go with a small percentage of bonds, even when very young.