as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
what is a good asset allocation for a 25 year old?
user
in my opinion, the key variable for you (and others) is not age, but "vintage." your "age" suggests that you were born in the mid-1980s, in the middle of a bull market. the most remunerative investing periods for you are likely to be in your childhood (past) and middle age (forties and early fifties). also your, "old-old" period (around age 80, in the 2060s), if you live that long. for now, you can, and perhaps should invest cautiously, like today's 40-year olds, with a heavy emphasis on bonds. the main difference between you and them is that you can shift to stocks in about ten years, in your mid to late 30s, while they will find it harder to do so when approaching old age.
assistant