Considering going 50/50 stocks/bonds.
\>Ages 28 and 33.
\>Have about 1.2 million in 90/10 stocks bonds.
\>Will add \~50-80k per year into retirement savings until then.
\>One of us will work until at least 55 for health insurance.
\>No plans to increase our spending dramatically as we age\\in retirement.
The prevailing wisdom (for good reason) is for someone at our ages to tilt more heavily stocks due to our long time horizon.
Frankly we’re so far ahead of the curve for our ages I feel that we don’t really need to wear the extra volatility/risk.
I’d be totally fine accepting a lower total return over the long run if it means I can reduce the chance we sell during a big downturn/help us sleep at night.
Am I being too conservative or does it make sense.