[basch]

Are you familiar with https://portfoliocharts.com/portfolio/golden-butterfly/

20% Total Stock Market

20% Small Cap Value

20% Long Term Bonds

20% Short Term Bonds

20% Gold

You could replace short term bonds with Cash, TIPS, CDs, Bitcoin.

[tjansen]

Not this portfolio, but I don't see the point of buying bonds anymore, at least when you invest a relatively small amount of money. Low interest, risk is relatively high compared to what you can earn, and no inflation protection.

[basch]

Long term bonds benefit from low interest rates.

https://portfoliocharts.com/2019/05/27/high-profits-at-low-r...