Portfolio Check · by Valeria López · 2026-10-07
60 now, want to step back in 5 years, rate the drawdown setup I'm building
Age 60. Plan is to move to three days a week around 65, maybe fully retire a bit later if I still enjoy the work. Risk tolerance medium-low.
Target setup I'm building toward:
- 45% global equities
- 30% bonds
- 15% cash
- 10% short-term bond/cash reserve for first withdrawals
Current balance is a bit over 1.4m. I keep resisting the urge to chase higher equity returns because I know what I'm actually buying now is smoother landings, not bragging rights.
Target setup I'm building toward:
- 45% global equities
- 30% bonds
- 15% cash
- 10% short-term bond/cash reserve for first withdrawals
Current balance is a bit over 1.4m. I keep resisting the urge to chase higher equity returns because I know what I'm actually buying now is smoother landings, not bragging rights.
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