>> I am a 49 yr old female federal government employee.My husband is 14 yrs older than me. When he dies, his retirement ceases and I will get nothing. <<That's not much of a retirement plan, IMO. >> I currently invest 60% of that amount in Stocks & Bonds, and 40% in Government bonds. I can adjust the 60/40 ratio in November of each year. <<How much of the "Stocks & Bonds" is stocks and how much is bonds?It sounds like you only have a "growth and income" and an "income" option. Are there any other options?>> With the current stock market changes, what % do you recommend I invest in stocks & bonds/government bonds? <<Without knowing your tolerance for risk and other sources of income over the years, I can't say with any confidence. If all of this is going to be working for at least 13 years, I'd probably feel safe in putting a fair amount -- perhaps 50-70% -- in stocks. (But that's just me, and I might have a difference risk tolerance than you.)But to get that mix, you have to find out how much of the "stocks & bonds" are in stocks. If half of that fund is in bonds, a 60% position in that fund only has you 30% invested in stocks -- almost certainly not enough, IMO.Tim
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