My spouse forwarded me this post and asked whether we would pursue the recommended strategy (i.e., large initial bond holdings) once we retire in 6-7 years. Is anyone here an advocate for this, it is this statistical wish casting?
I explained to my spouse we would initially retain 2-3 years of savings from traditional IRAs in treasuries as our buffer, and then mostly keep the rest in index equities. That "should" offer enough time to for stocks to recover from a drawdown, at which point we begin to rebalance back into bonds.