Hi,
I currently have retirement savings in Vanguard LS 80% at age 31. When I first started this (6 years ago), I read that it is sensible to reduce risk the older you get.
What's the correct way to do this?
1. Sell everything in the 80% and buy in at 60%
2. Leave the 80% fund as-is, and all future investments into 60%
If anyone has any thoughts/advice on if I should keep at 80% for a few more years yet, that would be appreciated!
Thanks :)