Tecmo, well done! Looking at your results makes me wish I'd stayed more aggressive the last 10 years of working.

At the moment I have 35% in 3 foreign ETFs, 45% in bond funds including high yield, 8% US index and 6-10% growth stocks - depending on technicals & market health.

After getting killed like everyone else in '08-09 I became more cautious and set a goal of "growth with capital preservation". Target became beating a 60/40 using US and global asset class index ETFs. I use a tactical asset allocation approach with 60ish/40ish custom funds. (and several market health timing signals, which reduced the drawdown in the covid crash and in '22.

Each of the last 2 years I made about 10% average. I've beaten VBINX TTM but fallen behind a bit over 3 years & 5 years due to a tentative re-entry in 2023. And as widely known the S&P500 beat everything the last 10 years.

Added risk in second half of '25 with a few growth/momentum mechanical stock picks that did very well, and added a couple more N100s recently which have continued exploding. 5 month return of 65% has added 5% to the total portfolio balance - covering my expected withdrawal in year 1 of slightly early retirement.

FC