We discuss why bonds aren't great for a portfolio anymore as of recent, especially the younger you get. In a Roth IRA especially, it could be a poor allocation of your funds.

Links in Today's Video:
Vanguard Tool: https://advisors.vanguard.com/VGApp/i...
Vanguard Questionnaire:
https://retirementplans.vanguard.com/...

Great articles on Bonds:
https://moneyunshackled.com/2020/10/w...
https://www.financialsamurai.com/shou...

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Timestamps:
0:00 - Intro / Start Here
1:12 - Format of Today's Video
1:50 - What is a Bond?
4:24 - Bonds & Younger Investors
8:43 - Asset Allocation Thoughts
11:38 - Questions to Ask Yourself

Questions to Assess Risk Tolerance:
- If my portfolio were to drop 30, 40, or 50% in 6 months, would I be OK?
- Do i have a consistent income that can stomach volatility?
- Do i have multiple streams of income?
- Is my investment time horizon short or long?
- Am I a more naturally aggressive or conservative type of investor?
- In how many years will you start making withdrawals on your investments?
- Do you expect your annual income to increase over the next few years, or go down?
- What is your next biggest purchase, do you have enough money saved for that? How important is capital preservation for your big purchase?
- Do you care about protecting your portfolio, or higher returns?

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😺 WHO AM I: I am not a cat. My name is Humphrey Yang, I've built multiple businesses and am passionate about Personal Finance, Investing, among other things! If you're trying to build a solid foundation of financial literacy, learn to invest, or become financially free - then I'm here for you!

📧 GET IN TOUCH: I'd love to hear from you! Tweet me @HumphreyTalks directly and I can respond there. If you have a longer question, or if you have a business related inquiry, please then send me an email at [email protected]. I try my best to reply to all e-mail but sometimes I do not have enough time to respond to everyone.

PS: I am not a Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for.