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You have done a much better job to planing and executing than the vast majority of people. You are aware that higher returns have more risk and right now you are willing to accept lower returns. Not all bad, but in the not too distant future, inflation will ratchet up. When that happens bond prices will drop. On the assumption your bonds are mutual funds, you will be hurt. So I strongly suggest you start to lower you bond allocation to your long range target - I would do by a cost averaging approach - a little each month or two.

With regard to stocks, I would increase that also a bit at a time.

I expect you have a bit of time for self education and you certainly have the attitude. Go to the Bogleheads and start reading from the forum named "Investing - Help with Personal Investments"

Poke around the website there is a library with a lot of stuff you can read free instead of buying books.

I am a fan of William Bengen. There is a book he wrote for $65 at Amazon. It essentially tells you why and how the Safe Withdraw Rate system works. There are a lot of little details most people do not appreciate such as you get a higher rate of return if you re-balance less frequently than once a year -- max is something like once every 7 years.


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