You mean in terms of being invested in stocks? We’ve discussed that. You still want to bring in “some” growth. So we’ve been thinking up to 20/80 sticks/bonds.
[I’m there+ now.. retired for 10 years]
I’m thinking that with the Fed driving rates up, bonds are not so good.
Maybe a ladder of individual bonds, but the rest of the ways to be invested in Bonds have serious drawbacks.