No. of Recommendations: 1
Sheryl, it would help if you explain what "Traditional" is. The others are fairly clear.

The right answer for your allocation depends a great deal on what your financial plan for retirement looks like. If you expect to have adequate income from pension and Social Security, then your retirement accounts can be 100% in equities if you wish--because those funds are not essential to you. They will buy you some extras in retirement and stand in reserve for the unexpected.

On the other hand, if your retirement accounts must provide your basic needs in retirement, then you need to be more careful. Fools would suggest you have 5 years of your gross expenses in bonds at retirement. With a 4% burn rate, that can be something like 20%--or even less if your assets far exceed the minimum (allowing a lower burn rate). Others are comfortable with 50% of their assets in fixed income securities.

Your allocation is quite heavy in equities. That is fine if you are comfortable with it. Fools would suggest you keep as much in equities as you can as generally equities give better returns and a better chance of keeping up with inflation.

So there is no "right" answer to your question. Your plan is reasonable, but what is right for you depends on what you want the funds to do for you, how the funds fit into your overall plan, and your risk tolerance.

Good luck.
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