WSJ: Creating your own pension

WSJ: New Ways to Create a Gold-Plated Pension

The new strategies often mean heftier helpings of bonds and inflation-fighting investments like real estate and commodities. While bigger bond holdings can mean lower returns, the approach also can give investors the confidence to stick with the more volatile stock investments in other parts of their portfolio, advisers say—reducing the chance they will sell shares at a market bottom.

Here’s a recommending allocation model from the article:

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