The general rule is "Money that you are absolutely sure you won't need for at least 10 years [15 is safer] should be in the stock market." That would mean "don't put more than 1/10 of your 401(k) in stocks". It should be okay to put 50% of your portfolio in bonds for some extra return without much risk.Ditto for the annuity - how soon are you going to need the money?Real soon (you said this isn't the case) - cash or money marketNear-term (5-10 years) - bondsLong-term (>10 years) - stocksHowever, your needs may vary. And some rules of thumb aren't appropriate for everyone.
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