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Just index funds for now. ~70% in some Vanguard world index fund and ~30% in bonds. But I'm planning on doing some research on some microcaps as well. For individual investors with sub-$1M portfolios microcaps are one of the few places where we can seek alpha.

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Out of curiosity, how soon do you plan on retiring and and how much longer do you plan on living? Everyone has different allocations, but I rarely see people talk about having 30% in bonds.

Have you been increasing bond allocation over time or just sticking to a 70/30 lazy portfolio?

I'm 29, following the rule of thumb where you have (your age)% in bonds and (100 - your age)% in stocks.

Is 30% too much or too little from your experience? I can understand people preferring stocks at the moment because bond yields are so low. But that won't be the case forever :)

In my experience it is higher than I see people recommend. Yeah, I don't necessarily agree with the people who go 100% stocks. I know some retired, older people who seem pretty stock heavy as well. I guess everyone has their own risk tolerance.

I probably need to rebalance my money, but I'm a similar age (normal health) and I shoot for 10-15% and that's on the higher end of the people I discuss my finances with.

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