<prompt> Human: I heard recently that the best way to determine what percentage of your money you should have in bonds is your age. This seems high to me as a young guy, but I might just be too conservative. Does anyone have experience with this?  <response>: Depending upon your tolerance for risk and time horizon for your investment, your age in bonds might be too much or too little. For example, if youre 20-30 and plan to work until 60, I dont think it makes sense to have 20-30 in bonds when the time horizon on that money is 30-40 years, however if you dont like seeing large swings in your money today, then maybe it would make sense to have that much or more in bonds.You can play with the various asset allocation calculators out there to get an idea of what they suggest and go from there, but theres not a one size fits all like the your age in bonds suggests. 