Personal Investments • 20 years with same asset allocation -- thinking of changing

I'm 40 and have had the same asset allocation since age 18-20. I simply copy the lifecycle 2050 fund -- with domestic, international, and bonds.

After staying the course for 20+ years, I'm having regrets about holding all these bonds for so long.
I'm also having regrets about international (like many others).

I am considering the following changes:

• Reduce my bonds to 0% until age 50.
• Reduce international from 35% to 25%. (Although, I could regret this if international finally make their comeback)

However, I'm nervous about making these changes in a 7 figure portfolio after holding the same allocation for decades. Your thoughts?

Statistics: Posted by Mark2614 — Wed Nov 27, 2024 8:03 pm — Replies 26 — Views 1628

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