M19 looking for some advice on deleveraging sensibly. This allocation has been treating me well for the past year, but its gotten to a point where i dont feel the need to take so much risk anymore.
I honestly got really lucky and took too much risk lol, now I want to invest safely.
My current allocation: [https://ibb.co/6c6vyPwW](https://ibb.co/6c6vyPwW)
I was thinking about 50/50 VT QQQ or 70/20/10 SPY QLD AVUV or 75/25 VT QLD. Thoughts?
Effective leverage should be max. around 1.25, definitely on the lower end of the range.
