Well from what I've read/learned we should have a 75/25 allocation but I kinda feel like the 15 year horizon until we'll tap into this money warrants a little more of an aggressive nature. I'm finding it hard as we get older to change my mindset from (long horizon, buy and hold, aggressive portfolio) to short horizon and less aggressive allocation. And by aggressive I mean index funds that are mostly equities. I'm not a day trader or trading options .. nothing that aggressive as i don't have the time right now to learn about those investments .. and I've also learned here that index funds are the way to go.
I kind of feel like our strategy should be shifting at this point in life but I'm not sure how to put the shift on. We both work fulltime IT jobs but I was planning to leave in a year or two and work at something less stressful and demanding. Although a funny things has happened .. the closer we get to FI the more I'm enjoying my work!
Should we be changing our AA? While it's mostly in equities, they are index funds so diverse in nature and not crazy aggressive.
- L