The original rule (put 110 minus your age percentage in stocks) was designed when life expectancy was 75 and bond yields were 5-6%. Current life expectancy: 83. Current 10-year yield: 3.8%. The formula needs updating. My version: 120 minus age for equity allocation, with international developed market exposure above 30%.

]]>https://spveforpit.com/topic/681/index-etf-allocation-by-age-why-the-110-minus-age-rule-is-outdatedRSS for NodeSun, 26 Apr 2026 13:17:50 GMTWed, 22 Apr 2026 21:14:36 GMT60The original rule (put 110 minus your age percentage in stocks) was designed when life expectancy was 75 and bond yields were 5-6%. Current life expectancy: 83. Current 10-year yield: 3.8%. The formula needs updating. My version: 120 minus age for equity allocation, with international developed market exposure above 30%.

]]>https://spveforpit.com/post/1560https://spveforpit.com/post/1560Wed, 22 Apr 2026 21:14:36 GMT