One account will mostly cover our expenses until 70. At that point, assuming we are both still alive, social security and pension money will likely cover our expected expenses. This money is mostly in treasuries. I probably could put part of it in TIPs that would mature in 5 years.

I have an account (still) at TD that is decent sized but I probably won't need to draw from it unless something strange happens or expenses grow greatly after 70. Would you just put it all in the market and ignore it for most of a decade? I could see the money being needed if I were to pass away since that would cut my pension by 50% and my wife would only get my social security so that would leave a gap to fill.

For now it is a mixture of treasuries (2 years or less), stocks (BRK, Google, Facebook/Meta, ETFs (SP500, QQQE) and one fund Distillate US Fdmtl Stblty & Val ETF DSTL

I mostly curious what people who are retired would do with the money in the TD account. I don't think I'd be comfortable putting it all in stocks and I'm not a bond fund person.


Thanks
Rich