“TLDR: Bonds are for investors too sensitive to volatility in the near term so they exchange long term growth for the prospect of reduced volatility, near term.” Reddit · r/investing · 2 years ago

: 2–4 years of upcoming spending in high-quality, short-term bonds. Equities : The remainder in stocks for long-term growth.

As of April 2026, many investors are using a "tiered" approach:

: Adding bonds has historically smoothed out the "stomach drop" feelings that come with market dips.

Corporates, or should we look at how to for a specific goal?

: After a historically bad decade, bond yields are currently higher than they have been in years, making them more attractive as an alternative to expensive stocks.

suggests a "90/10" rule for most: 90% in low-cost S&P 500 index funds and 10% in short-term government bonds for liquidity.