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Rethinking the Shift-to-Bonds Strategy

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Investment adviser Brett Danko has a warning for a New Jersey couple in their early 50s who’ve sought his help about how to plan for retirement: Either allocate more savings to stocks than fixed income, or risk having to scrimp in old age.

The couple, ages 51 and 53, have about 80 percent of their $1 million retirement savings stashed in government bonds yielding just 1 percent to 2 percent; the rest is in stocks.