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Thanks for the suggestion. I will look into that.

Your risk profile (5% vol) is on the very conservative side
Yes, I am aware of that. While I believe I can handle more risk or volatility, this is a conscious choice to reduce the risk and accept related lessor returns.

I am looking to compound the assets, that I have set aside for retirement, at around 7 to 8%. Fortunately, we (me and my wife) can cover any shortfall on a given year's return from our income.

My thought process is evolving, as I have seen having sizable cash had truly hurt me in the last few years, likewise some of my fixed income investments had provided more than the yield due to falling rates, etc.

So, I am thinking of moving into asset allocation, with exposure to equities, fixed income, some precious metals/ commodity and some real estate. Of course, I will be doing this over extended period and trying to understand what kind of returns v risks to expect.

Also, another goal is to free up some of my time, for travel and couple of items on the bucket list. :)
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