https://testfol.io/?s=hnGGlyVcQYz
I was playing around with guide rails and a golden ratio portfolio with the only substitute as ZROZ vs TLT for the bond portion and the difference over the last 30 years is rather dramatic just substituting the different funds. Can anyone see a drawback besides the slightly higher volatility to using a STRIPS type fund instead of the classic longterm treasuries fund in their retirement portfolio? See my link to the sample portfolios described above.
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