Lately, I have been reading a number of articles by industry experts and journalists espousing the virtues of the sixty-equity, forty-bond allocation. Their reasoning is that There Is No Alternative (TINA) to earn a good return on your hard-earned capital. I know enough to know this advice is more in line with their interests than yours. In 2017, it will only have been ten years since the beginning of the last financial crisis. For someone who is retired, or soon to be, the 60-40 allocation may be very dangerous advice. Here’s why!