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RE: A 50/50 Allocation in Traditional Investment Accounts
That is a good default to fall back on but other factors could imply changes. For example, if somebody cannot sleep at night thinking of the volatility of the stock market, he may need a lower allocation. I believe in adjusting the allocation as the life cycle matures. As long as diversification is present, it should work out in the long run.
I agree, or for less maintenance one can employ the "all weather" portfolio which is where the 65/35 comes more into play, but it also has an allocation for some metals too.