I have $10k that I want to put into a taxable investment account through Betterment that I am using to save/grow money for a house down payment. When I originally created this account last summer Betterment’s roboinvestor recommender roughly a 50/50 split based on my 5 year time horizon. To my understanding, the allocation it recommends is based solely on your time horizon.
Given that we are in a bearish market, is it best to change that allocation to something more conservative like 60% bonds and 40% stocks? If so, can anyone recommend any tools or rules of thumb that you use to determine this allocation?
EDIT: A lot of people have said that investing in any stocks for a time horizon of 5 years is inadvisable. Can anyone speak to why Betterment recommends a 50/50 split then? I wonder why the disparity between your general assessment and theirs (or anyone else for that matter)
Submitted January 06, 2019 at 06:18PM by swump http://bit.ly/2Az2FKe
