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First, congrats on a comfy retirement. You ask:

What am I missing or ignoring?

Inflation.

Consider diversification to the level of tolerance for loss you feel, especially in a short-term timeframe.

I just finished Swedroe's 'The Only Guide to a Winning Investment Strategy You'll Ever Need'. He recommends less exposure to equities if one is closer to/in retirement. If you want your estate to grow more, your exposure to equity risk should be:
20% but you may experience more than 5% gain/loss
40% --- for 15% swings
60% --- for 25% swings

As a rule of thumb, of course.... You still need to sleep well at night!

Best regards,
Alice of the frogfarm
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