Fund picks and pans stocks

MVD34 says:

Historical returns.

The short if somewhat technically inaccurate version goes this way: stocks are the only asset that regularly provide a rate of return over ten years & more that will beat inflation. Therefore, to have your money increase in buying power (buy more in ten years than it can now), you must use stocks.

Bonds provide income and protection from capital loss in the short term. (To the degree that they include TIPS and other "inflation awareness," they may provide some protection from the negative effects of inflation). You need some bond exposure to provide stability and income as you approach and enter retirement.

The simplest processes of indexing portfolios start with near 100% stock index funds at age 25 and move to something like 40%/60% by retirement.

Actual calculations may very depending on a number of factors that are beyond the scope of your question.

adam_nelson says:

Is that all you get for the question? Things that normally shift investors over to stock rather than bonds include: longer time horizons, additional risk tolerance, lower immediate cash needs etc (index funds are a cheap way of investing in either–sort of like a lease of a car or a truck).

Usually those reasons or factors decline when someone retires (because they’re older their time horizons have shrunk, they have less risk tolerance as a result, and their savings now must be partially sold to fund their living needs. There could be circumstances where this doesn’t change but those are pretty rare.

It looks like this is a study or test question, if that doens’t ring a bell perhaps you could give a little more context to the question.