65% / 35% Equity to Fixed Income - is this bottom

You have 20 years for the market to work for you. Don't time it

Depends on your risk profile. I'm behind you at 34 and have maybe 2% in fixed income through a target date fund in my 401k. I have zero desire to put anything into fixed income until I'm a lot older.

Others may disagree.

You are asking about timing the market. several decades of data shows not to do it.

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Some what but if I was in a target funds they would reallocate periodically to achieve target asset allocation. So really asset allocation then timing question

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Time based asset allocations are not related to timing the market. Completely different.

The OP asked "is this the bottom?" That isn't asset allocation based on a retirement time period. That is a question about when to change investments based on the market and not a timeline.

This will look like the top in a couple months

35% is way tooo high for your age.

Fixed income has too much downside risk should rates continue climb

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Fixed income has too much downside risk should rates continue climb

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Nothing more than a year all with YTM greater than 4%

I have some stuff releasing in March. So I will not sell early be market timer

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Probably unless you are really timid.

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I used to be 100% equity never understood bond funds. Once I learned how to buy them myself game changer. I am just trying to eek out 8% a year. 35% at guaranteed 4% takes away my upside but seems like a good step forward.

I guess this will work itself out as my bonds mature I can redeploy based on circumstances

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Statistically, that 2% might as well be zero.

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Probably cash to pay fees or something. I doubt it is 2% in intermediate term bonds.

Target date fund is 10% bonds but it is 2% of my entire portfolio. I redirected my 401k contributions to other investments when I learned more about finances