<prompt> Human: To my understanding, the reason you want to have your percentage of bonds to reflect your age is that its more secure. That seems to make sense when youre old, but if Im in my early 30s, why wouldnt I want to have almost entirely everything in index funds if they generate more money?  <response>: Its easy to take the relative safety of bonds for granted, especially since the US has been enjoying a bull market for a while.But when the market is flat-liningdropping that safety is definitely appreciated. 