Two answers for you (with more to come in tomorrow’s post).

For most people: It depends, but not on what you might think.

For me personally: The answer is 100% equities from now until the day I die.

A rule of thumb to tide you over: Take your age and divide by two. That’s the amount that should be in debt investments (bonds, CDs, etc).

If I plan to retire at 60, what should that combination look like, say 5 years before my retirement date and 5 years after that?