People of Reddit, I need your input to improve this portfolio for someone who *may or may not* need to withdraw $100,000 sometime 3-5 years from now. It's a mix of lesser risk *(treasuries, AAA)* and higher risk *(BBB, S&P 500, ...)*
name & current yield | % of total | value
------------|----------|-----
SGOV (4.17%) | 25% | $50,000
FLOT (4.94%) | 15% | $30,000
JAAA (5.48%) | 10% | $20,000
CLOI (5.82%) | 10% | $20,000
JBBB (7.48%) | 5% | $10,000
CLOZ (8.41%) | 5% | $10,000
VOO | 15% | $30,000
SPMO | 5% | $10,000
VXUS | 5% | $10,000
DBEF | 5% | $10,000
TOTAL | | $200,000
Would you rate this too conservative or too aggressive? Normally 30/70 would be considered conservative but, as you can see, within that 70% I have a mix of bonds and riskier goodies, but the ones with highest risk - CLOZ, JBBB, and CLOI - are $40,000 in total. Even if those three get defaulted and wiped out *(BBB crap)* I'd still have $100,000 stored in the safer parts of that category. Am I on the right track?
How would you modify this?