Hi all,
I've started my accumulation phase about 2.5 years ago, started with a 90/10 stocks/bonds, then switched to 100/0 about 6 months ago.
I am still pretty young, so I thought it would be a good AA%, but I find myself to worry a little too much about market fluctuations and possible market downturn, and I think a slightly lower stock allocation would fit my needs better.
I have a few questions :
1. I remember seeing in the past some statistics / graphs about return over the years vs. AA, but I can't find those any more. Could someone help me with that?
2. Let's say I want to witch to a 80/20 AA, what would be the best way to do it? Should I do it one shot by selling stocks and buying bonds? Should I do it periodically until I reach my AA? As a Canadian investor, should I put the bonds in a RRSP, TFSA or unregistered and why? What bond ETF should I consider?
Thank you,
Max