62, not retired yet, but I'm building the portfolio I wish I'd had at 52

Little retrospective for anyone younger. Age 62, maybe 2 years from retirement. I used to bounce between too aggressive and too defensive based on headlines. Finally settled down.

Current allocation:
- 48% equities
- 32% bonds
- 20% cash and short-term reserves

If I could redo my 50s, I would have spent less time trying to predict rates and more time making sure my allocation matched my actual timeline.