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When you are 15 years from retirement, begin shifting a little of your wealth a time to fixed income (I'd go with bond funds and a CD ladder), until, at retirement, FI (plus a 5-10% REIT allocation) represents 50% of your savings. Maintain the 50% ratio through retirement.


Why 50%?

I don't agree with your recommendation, but I am curious on how you settled on 50%.
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