As a result of an inheritance, my portfolio is now heavily weighted towards US Treasuries. (80% bonds, I am in my early 40's) What thoughts do people have on the processes of asset redeployment? I am concerned that with the markets near all time highs it might not be a good idea to shift all the assets at once into say S&P500 index funds. Perhaps a dollar cost averaging approach would be better – but over how long a time period? I was thinking about a 12-month process to move the investments. My problem is figuring out how much to keep in bonds. At 40+ and saving for retirement I would go towards 90%+ in stocks. The 10% would make me feel better if the market took a dive (and it will). I know I can get some cash from the bonds if an emergency (not covered by my regular emergency fund) comes up.
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