Relatively small potatoes but you no longer contribute to your HSA?New annual Contributions
This depends on your psychological appetite for volatility and your financial goals.1. I based the glide to 60/40 stock/bond split on Vanguard target date fund splits close to retirement. But our portfolio is large enough that we can ride out significant drops. Is 40% bonds too conservative?
For your ages, this allocation is a bit on the conservative side compared to others; however, you have a large portfolio and a large income.
If you plan to retire soon and have relatively large expenses, then perhaps you'd want more equity.
If history repeats itself, your portfolio will be significantly smaller with this allocation.
If you increase your equity allocation and then sell in a panic when the stock market tanks by 50... 75%... then your portfolio will have taken a serious hit.
In your shoes, I would be much more worried about your exposure to your company's stock.
Nobody knows the answer. Whatever you do, do it with conviction so that you can stay the course... for decades.Should I keep going for 40% international?
This Rational Reminder podcast may help: https://www.youtube.com/watch?v=cZtfSoOKC3U&t=328s
Statistics: Posted by dogagility — Fri Jun 07, 2024 5:26 am