Should I Buy Bonds Online

Professional opinions on bonds vary widely based on their overall investment philosophy:

“If a 10% drop in the stock market bothers you and you're 100% in stocks, you might want to consider adding bonds to your portfolio.” Reddit · r/Bogleheads · 1 year ago

: 2–4 years of upcoming spending in high-quality, short-term bonds. Equities : The remainder in stocks for long-term growth. should i buy bonds

: Adding bonds has historically smoothed out the "stomach drop" feelings that come with market dips.

Critics argue that for younger investors, bonds might be a "drag" that prevents long-term wealth building. Professional opinions on bonds vary widely based on

As of April 2026, many investors are using a "tiered" approach:

suggests a "90/10" rule for most: 90% in low-cost S&P 500 index funds and 10% in short-term government bonds for liquidity. Critics argue that for younger investors, bonds might

: When interest rates rise, existing bond prices fall. Investors who bought bonds before recent rate hikes learned this the hard way in 2022. Expert Perspectives