Hello hello! Thanks again for all the helpful replies!
Just a quick update on where I landed after reading through everything.
For my portfolio, I’m currently around 75% stocks, 10% Bitcoin and 15% bonds. The bond portion only exists because of my employer pension fund, which is mandatory and must stay 50/50. Otherwise I’ve always invested only in equities.
After reading more of Bogle’s recommendations (like the “age in bonds” guideline), I was considering increasing bonds gradually (without selling anything), but by shifting future contributions from S&P 500 to a global aggregate bond ETF.
My portfolio is still small and I’m comfortable with risk, so I’m not in a rush, but it’s something I will probably do over time, maybe when I’m around 50s (maybe?).
Regarding cash, I keep a 6 month emergency fund in a high-liquidity account and about 3 months of expenses in my checking account for travel or bigger "daily" purchases. From the replies here, it seems ok as long as liquidity stays high.
And about the mortgage, I will follow the advice from the thread and keep the house out of my asset allocation. I will treat it only as part of my net worth to keep things simple.
Thanks again to everyone who shared their thoughts!![:)]( "Smile")
Just a quick update on where I landed after reading through everything.
For my portfolio, I’m currently around 75% stocks, 10% Bitcoin and 15% bonds. The bond portion only exists because of my employer pension fund, which is mandatory and must stay 50/50. Otherwise I’ve always invested only in equities.
After reading more of Bogle’s recommendations (like the “age in bonds” guideline), I was considering increasing bonds gradually (without selling anything), but by shifting future contributions from S&P 500 to a global aggregate bond ETF.
My portfolio is still small and I’m comfortable with risk, so I’m not in a rush, but it’s something I will probably do over time, maybe when I’m around 50s (maybe?).
Regarding cash, I keep a 6 month emergency fund in a high-liquidity account and about 3 months of expenses in my checking account for travel or bigger "daily" purchases. From the replies here, it seems ok as long as liquidity stays high.
And about the mortgage, I will follow the advice from the thread and keep the house out of my asset allocation. I will treat it only as part of my net worth to keep things simple.
Thanks again to everyone who shared their thoughts!
Statistics: Posted by bomfimpt — Fri Dec 05, 2025 3:22 am — Replies 15 — Views 715