joe: If a stock bond mix is what you recommend for a five to ten yoar time horizon, then does that mean that anyone who's investing for retirement should not be in bonds? paula: Should a 30 year old whose planning on retiring at the age of 60, put her four o one k into some bond? joe: There are two answers to this question. The correct answer is yes. And byYes, i mean no bonds in your portfolio. That's in a perfect world. However, when i was a financial planner, and now i will tell you, there are very few people that can actually do that, or should do that. Most people can