question: Vanguard asset allocation recommendation

[LZZ]

On the vanguard landing page they have a pie chart of recommend asset allocation.  As I got older it gradually crept up from 15% bond to 20% bond / 85% stock to 80% stock.

Well about a month ago it suddenly flipped to 20% stock and 80% bonds.

My actual allocation at vanguard is 75% stock and 25% bonds (I'm self employed so have living expenses "saved" in a bond mutual fund). 

I'm 46 years old ... do you think this is a glitch by vanguard or do people think the norm is that I really should be in 80% bonds now????

[ysette9]

Is this the one that you see after you have logged in? I believe in my case that target pie chart allocation came from answers I submitted using their online tool. Could you have changed some input in that tool without realizing what you did? It may be worth a few minutes to walk through it again and double-check your goals, time frame, and risk profile.

[LZZ]

Ysette9 - no I hadn't done anything because I didn't know about it,  but I played around with the sliders now it and it did update to different percentages based on my preferences.  Didn't know it was customizable!  Thanks!

[Indexer]

It defaults based on age until you actually go in and answer the questions or manually set it.

No clue why it would be 80% bonds...

[Kaspian]

I'm 46 years old ... do you think this is a glitch by vanguard or do people think the norm is that I really should be in 80% bonds now????

Sweet fancy Moses!  I'm considered a "conservative" investor for having 40% bonds.  80% terrifies me as that seems to be increasing volatility by severely reducing diversification.  Even using the "age rule", I wouldn't recommend that AA for an 80 year-old!  The tool must be loco to even suggest it to someone.