Is there an optimal bond to stocks ratio

I use the 3 buckets approach to asset allocation where I divide my net worth into 3 buckets

• Bucket 1 - liquid assets such cash. These serve as emergency funds so that you are not forced to sell the safe or risky assets at the wrong time to cover unforeseen expenses. I have 2 years of annual expenditure here.
• Bucket 2 - safe assets. These are assets where the principal is protected eg govt bonds. This serves as floor net worth in case all the risky assets tank. I have another 8 years of annual expenditure here.
• Bucket 3 - risky assets such as stocks, real estate, crypto. The balance of my net worth is here.

The ratio of bonds to stocks is the result of the above plan and not some ratio I set up front. Don't you think the above plan makes more sense? The whole bond to stocks ratio is about risk mitigation. I think the 3 Buckets approach has a more logical risk mitigation basis.

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I think this is a better approach that the 60:40 rule or the age rule.

The 3 buckets enable you to consider other assets as well.

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