u/Awkward-Basis7658

▲ 9 r/SCHD+2 crossposts

Hey all, interested in hearing your strategy on asset allocation as you get closer to retirement.

What was your allocation strategy 3years from retirement, 1year out, and when you retired.

I’m
20% individual stocks (can’t sell due to tax hit)
27% S&P ETF
18% Nasdaq ETF
33% dividend producing SCHD/JEPI ETF
Balance Cash

Split 50/50 in brokerage and T401K

I have been adding to positions to change allocation %, however as I get closer to FIRE, I’m thinking about rebalancing.