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(For simplicity’s sake, I’m not including any returns these assets might have earned over that period.) After six months, you’ll still have only 35% in stocks and 15% in bonds. And even after nine months, only a little more than half (52.5%) will be in stocks and 22.5% in bonds (with the remaining 25% still in cash). In short, you’ll have spent an entire year investing more conservatively than the 70 30 mix you decided was right for you.Or, to look at it another way, you’ll have gone through a series of monthly asset allocation mixes that are more conservative than the one you’ve settled on as appropriate for you.

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