Portfolio Check · by An Pham · 2026-09-16
40 and finally taking retirement seriously. too late for 90% stocks?
I'm 40, probably 22-25 years from retirement if work doesn't burn me out first. Risk tolerance is decent as long as the plan makes sense. I spent most of my 30s paying down life stuff and only started investing consistently the last two years.
Current allocation:
- 70% world equity ETF
- 10% value ETF
- 10% bond fund
- 10% cash
Should I push this closer to 90/10 for a while since I'm behind, or is that me trying to make up for time with extra volatility?
Current allocation:
- 70% world equity ETF
- 10% value ETF
- 10% bond fund
- 10% cash
Should I push this closer to 90/10 for a while since I'm behind, or is that me trying to make up for time with extra volatility?
10 sparks · 5 comments