Right now, 100% FXAIX. Have maxed out taxable accounts as much as I'm able to, rest in brokerage. Risk-wise original plan was to keep that (or some S&P 500/VTI equivalent) until I'm 40, then start investing in more bonds.
What's changed:
* Estate planning for 2x kids. I have life insurance through work, but debating doing a higher % of bonds as self-insurance if I pass for their guardian
* I may want to retire early. If I live leanly, I could potentially retire now (a la 4% rule), though I think \~5 years is more likely for the kind of lifestyle I'd like. Could also coastfire, but still mulling it all over.
Any thoughts to doing a higher % of bonds for either of those changes?