Trying to decide between the following portfolios for retirement, currently 35. I'm a bit afraid of the bear market. Should I keep all money in savings or go ahead? (btw, I do have emergency savings so this is not money I would need right away)
| name | alloc |
|---|---|
| VTI | 25% |
| MGK | 25% |
| SPDW | 25% |
| LQDI | 20% |
| CMDY | 5% |
| BCD | 5% |
OR
| name | alloc |
|---|---|
| SPY | 70% |
| LQDI | 20% |
| BCD | 10% |
Available to invest: 140k
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