"The cleanest example is someone who wants to retire early and had a pension plan but they don't want to start receiving pension payments, " says Boyce Greer, president of Fixed-Income and Asset Allocation, Fidelity Investments.

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This was the lowest allocation to fixed-income securities and funds since February 2011.

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One of the simplest and most effective ways to manage daily stock market volatility is to have an allocation to fixed-income.

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This is the lowest allocation to fixed-income since October 2011.

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These low-cost funds, coupled with a fixed strategic asset allocation based on needs, create a high probability solution for nearly every investor.

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As of its last public disclosure on this score, it had a modest 16% allocation to fixed income, consisting of 7% in inflation-indexed bonds, 4% in corporates and the rest in high-yield and foreign debt.

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You could limit the short-term roller coast risk by deciding to always have a big allocation of fixed income.

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