Why bonds? I know about the magical so called formula on % of bonds related to stock holdings based on age. I ignore that.
I implemented the bucket strategy: 1 bucket with enough cash to live on for a couple years that gets replenished with dividends, and 1 bucket of diversified index funds that are low risk, pay dividends, and have above average growth.
On average with dividends, it’s much higher than the cpi
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