In my opinion, 48% of your portfolio in sub-equities (27+15+6) is too conservative. You have a long time to retirement so can afford to be more aggressive -- exactly how aggressive depends on your risk tolerance though.
It's been a tough market. Most people's portfolios have taken a big hit. You make the most money buying stocks when they are down, not when they're flying high. My opinion -- move more to stock funds now while they're bargains.
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