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I have four investment accounts; two regular investment accounts, the first of which is Bucket 1 with 12% of our total portfolio with a goal of funding our retirement expenses for years 1-3. A second investment account as Bucket 2 holding 33% of our portfolio intended to fund our retirement years 4-10. ; my IRA as Bucket 3 holding 30% of our portfolio for years 11-20 ; my wife's IRA as Bucket 4 representing 22% of our portfolio for years 21-30. Any spillover from each bucket at those 3, 10, 20 year intervals is to be added to the next bucket.

I have been using an asset allocation with the more conservative buttoned -down large cap dividend, wide moat stocks in Bucket One, then progressing through the remaining buckets with less conservative investment, ending with my wife's IRA bucket holding the most speculative investments.

I loathe bonds and have everything in equities, both stocks and etf's. I spent a great deal on CFP fees who insisted on mutual fund investing that really hasn't paid off. I understand the risk of going with all equities but my experience has been lethargic gain history for anything but straight equities.

My question is: should I be asset allocating EACH bucket or is it reasonable to continue allocating with an overall strategy? Is there a real difference that would encourage me to treat each bucket as a separate asset allocation process?

Thanks in advance for this long-winded question and for any guidance or suggestions.

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