I’m 27 and expect to retire around 2064. I have a good salary and plan to invest $300 a month and leave it invested for the long term.
My current allocation is:
35% Vanguard US 500 Index
20% Vanguard Global Stock Index
10% Pictet Emerging Markets Index
10% Vanguard US Government Bond Index
5% iShares Corporate Bond
5% PIMCO GIS Income
5% Global Convertible Bond ETF
3% Inflation-Linked Bond Index
2% Emerging Markets Local Government Bond ETF
3% Goldman Sachs US Dollar Liquid Reserves
2% Gold
That’s about 65% in stock funds. My latest statements show returns of 1.33% for April–June 2026 and 0.61% for July–September 2026. I know that’s a short period and may not say much about long-term performance.
Given my time until retirement and that I plan to leave the money invested, should I be more aggressive?