I keep on ending up like this unironically when the relationship starts off closer to 50/50 slowly 60/40 70/30 then they lose their job then its 100/0 forever even when they gain their job back.
This is not financial advice, but I think if you are stressing your bond allocation too much; you may be missing out on compounding growth. A targeted date fund is perfectly acceptable, so much so that it is a standard in most investment portfolios and even the default, daddy.
I keep on ending up like this unironically when the relationship starts off closer to 50/50 slowly 60/40 70/30 then they lose their job then its 100/0 forever even when they gain their job back.
This is not financial advice, but I think if you are stressing your bond allocation too much; you may be missing out on compounding growth. A targeted date fund is perfectly acceptable, so much so that it is a standard in most investment portfolios and even the default, daddy.