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What would be the downside of investing half in Vanguards Total Stock Market index and the other half Total Bond Market index and then forget about it?

Putting half in bonds at your age would make it very difficult for most folks to build suffienct funds to retire, or protect that fund throughout retirement. A 50/50 distribution is something a person in his early 70s might consider. I'm 55. I retired when I was 49, although I continue to do a little part-time consulting. Currently, I'm 90% in equities and 10% in fixed assets.

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