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REDDIT

At what age should you stop focusing on growth and start focusing on income?

I
Jul 29, 2026 · 15:45

I've always heard that you should inverse your age with 100 to determine equities to bonds ratio. For example, if I'm 30 I should have 70% equities 30% bonds. But this never sat well with me. Because when I'm 50 I'm still 15 years from retirement and a 50/50 portfolio seems really weak on growth.

So, what is the rule? Do you stay 80/20 or 90/10 until like 5 years from retirement or switch at a certain age?

When should you be primarily bonds or value etds with dividends ?