# What's your (investment) strategy for 2024?

**URL:** <https://forum.mustachianpost.com/t/whats-your-investment-strategy-for-2024/11544>\
**Category:** Investing / Portfolios\
**Created:** [December 29, 2023, 8:53am UTC](https://forum.mustachianpost.com/t/whats-your-investment-strategy-for-2024/11544 "2023-12-29T08:53:04Z")\
**Posts on this page:** 1\
**Showing post:** 93

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**Author:** ![Mirager](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mirager/32/12344_2.png) [@Mirager](https://forum.mustachianpost.com/u/Mirager)\
**Post date:** [January 23, 2024, 11:05pm UTC](https://forum.mustachianpost.com/t/whats-your-investment-strategy-for-2024/11544/93 "2024-01-23T23:05:58Z")

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Been wondering, about to transfer 60% of my old 3A to FinPension (40% eaten by an insurance company), if it’s a good idea to go 1% cash, 3% Emerging, 7% CH and 89% Quality for the 3A going forward, given the bulk of my investments out of the 3A are in all-world.  
I am currently 49% world ex-CH, 40% quality, 7% CH, 3% EM, 1% cash in FinPension but what’s the point if I am already all-in in all-world in my custody account?

Another question, the Boglehead/Vanguard 3 fund portfolio does include a fair bit of bonds, which I happily saw are also available in FinPension. While bonds do bring performance down, they also bring volatility down (see first pic).

 ![image](https://forum.mustachianpost.com/uploads/default/original/2X/5/571f01aa9d05324a498098e5a4c4ef1e653adebf.png)

Someone on the Bogle forum took the trouble to collate the big asset managers’ recommendations on stocks/bonds/age ratios, and came up with this table.

 ![image](https://forum.mustachianpost.com/uploads/default/original/2X/b/bb422171ce7247fe11045746c2c6f9df66732f59.jpeg)

I understand these are US bonds they’re talking about (and CH bonds seem to be extremely low yield), but what’s the forum’s idea about adding a 10-20% part in bonds (or even MMF) in a 3A, and if it is positive then are there any suggestions within FinPension?

I really feel quite unsure: if the 3A should be chasing performance or stability given its contributions are capped. I feel more relaxed about keeping a lot more money in all-world and accepting market returns in a liquid account (ie custody account) than in a locked account (ie 3A).

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