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birb_cromble  19hr ago (text post)   189 thread views

Qeekly Finance Thread - 2026-10-24

A weekly thread to discuss financial matters - from personal all the way up to global.

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By definition, they'll always underperform one way or another, won't they (like any asset mix will)? When stocks are on a tear, the bond allocation will hold them back. And if bonds recover (which they might, now that interest rates are higher) and stocks have a crash, they'll underperform a heavier bond allocation. The hope is that they'll have a smoother climb while still having good enough growth for most people.

Indeed they will, and I wouldn't disagree with anything that you're saying in a general sense. Bonds are still, generally speaking, viewed as "safer" than stocks, and in many cases, I expect that they are, and are still a good choice for the more risk averse. For me personally, it always made more sense to go with straight stock indexes simply because they had the best long-term returns, and the only time period in which that was even close to coming into question in my own life was the doldrums of the Great Recession. That's something that I'd probably think long and hard about if I were a younger investor, and there's a good chance that I'll reallocate down the road if/when financial turmoil gets significantly worse. In these Interesting times of inflation and interest rates once again starting to reflect reality, I may well see things differently a few years down the road, but for now, my concerns lie elsewhere.

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