re: Stock vs Bond allocation in portfolio?

You may want to take a look at the mix in the Thrift Savings Plan (401(k) style plan for federal employees) Lifecycle funds. You can look at them at tsp.gov.

They will have a fund for the year in which you will need your money, say Lifecycle 2050, and “experts” have allocated contributions among gov bonds, corporate bonds, index stock fund, small caps, and international.

I look to see how they would mix it for someone my age, then compare to my own mix. If my mix is way out of wack with theirs, then maybe adjustment is in order.