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# How Much Should I Invest In Stocks? In Bonds?

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## Video: How Much Should I Invest In Stocks? In Bonds?

[Watch (HLS stream): How Much Should I Invest In Stocks? In Bonds?](https://cdn.jwplayer.com/manifests/01EraMgR.m3u8) (1:56)

![How Much Should I Invest In Stocks? In Bonds?](https://cdn.jwplayer.com/v2/media/01EraMgR/poster.jpg?width=720)

_Published 2015-12-08. Financial advisers explain the rule of thumb for determining what percentage of your money should be in stocks...and what percentage in bonds._


---

Jul 27, 2023 6:52 PM UTC

---

## More From This Series

[All Videos](https://time.com/video/)

[Why Retirees Need to Invest in Stocks](/video/VNQByCBv/)

### Why Retirees Need to Invest in Stocks

[The Danger of Not Investing in Stocks](/video/SyyEmoTA/)

### The Danger of Not Investing in Stocks

[Year Ahead for Stocks, Bonds, and The Dollar](/video/i9ic2rd7/)

### Year Ahead for Stocks, Bonds, and The Dollar

---


## Transcript

[ MUSIC ] If you're in your twenties or thirties, the question that we get all the time is, how do I invest the money And what percentages do I put into the stock market or the bond market? Stocks are the obvious place when you're looking to grow your assets and you're willing to tolerate volatility that's inherent with investing in the stock market. There can be very appropriate for objectives that are very far out in time, such as A retirement that's 30 years away. Bonds on the other hand are usually designed to preserve principle and provide income. Historically, the old rule was to subject your age from 100.

And if for example you're 25 years old, that would mean that 75 % of the dollars would go into the stock market, 25 % of the dollars would go in Into fixed income or the bond market. Today, that number has been adjusted upward simply because people are living longer. The new metric that many are using is subtracting your age from 110. Using the previous example, if you're 25 years old now 85 % of the dollars would be in the stock market. 15 % would be in fixed income, again that means bonds. When we're younger, we're trying to maximize return, because we're really not concerned about the downside if we have a 20, 30, 40 year working life.

As we get to our 60s, 70s, 80s, our working life may be either coming to an end Or that we are now retired. The burden shifts from trying to maximize wealth to the preservation of wealth and as a result the equity percentage usually declines So that you may not make as much money when the market goes up, but you may not lose as much money when the market goes down. [ MUSIC ]

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