Buy VT by Jan 17, 2042.

Hey guys, so I am trying to figure out the proper way to do a stock and bond balance. I am currently 24 and have a ROTH IRA that is at 15k and fully invested in VT. I am planning on adding bonds when I get to 40 or so. At 40 I am thinking to get to 10% bonds, then increase by 1% each ear until I am at 30% at 60. I know that is is best to …