Portfolio Check · by Piotr Zieliński · 2026-09-18
My partner wants 20% cash forever and I want almost none
We're both 37 and invest separately but talk about everything like it's one household plan. My instinct is lean and aggressive. My partner loves a visible cash buffer.
My rough ideal:
- 85% equities
- 10% bonds
- 5% cash
Partner's ideal:
- 60% equities
- 20% bonds
- 20% cash
Goal is retirement in our 60s, maybe one of us slows down earlier. How do couples handle totally different risk comfort without one person becoming the portfolio dictator?
My rough ideal:
- 85% equities
- 10% bonds
- 5% cash
Partner's ideal:
- 60% equities
- 20% bonds
- 20% cash
Goal is retirement in our 60s, maybe one of us slows down earlier. How do couples handle totally different risk comfort without one person becoming the portfolio dictator?
14 sparks · 5 comments