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I am 47 years old and has been investing regularly for about 10 years. Back when I started, I was single, buy and hold, 95% equity mutual funds (about half in Total Stock Market Index fund and others in various Janus funds) were considered reasonable strategies for my age.

Now I have 2 young children, still by large believe in buy and hold (with a few minor fine tuning here and there), and would like to increase to about 25-40% bonds. Due to the volatility in the market, I have divided my monthly investments over the last 2 years half into Total Stock Market Index and half into cash (so now about 10% of total portfolio is in cash). How would you recommend that I change 1) my monthly investment and 2) 10% cash to increase the allocation to bonds?

Thanks in advance for your advice and happy holidays!

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