I’m still trying to reason with the best/appropriate TDIF glide path (of stocks:bonds) over time.
I am 30 and have TDIF 2060 at vanguard but am debating if I should do a 3 fund index portfolio.
Some people will put 40% bonds at age 40 and at age 41 allocate bonds to 41% etc.
I love TDIF because they are rebalanced automatically and protect me from tinkering with the account.
My concern is the glide path.
For example, at 50 years old which is 15 years away from 65 my portfolio would be 18% bonds only. I feel that is a bit aggressive because at 50 you would accumulate a large sum of money and at that stage you want to protect your assets.
What are your thoughts?
Thanks in advance for your time!