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At the moment I don't have a specific pension/bonds to look forward to. Diversifying my retirement with some bonds is something that would be easy to do, but I don't feel I need to do that now. Being single, no kids and at 28 I'm willing to take on some risk for greater returns.

I don't have an explicit "emergency" _fund_ but I do have liquid assets in case an emergency happens.

I bought a house a little over a year ago and while I'm not likely to still be living there in a year and a half it won't be hard to rent it out to allow the equity to grow (with or without cap gains).

It probably wouldn't be hard to change the allocation within the TIRA (I haven't investigated yet). The TIRA is is an annuity product from a life insurance company (Farmers Insurance).
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