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REDDIT

Google says allocate my IRA as 100% equities. I'm retiring next year.

P
Oct 2, 2026 · 20:26

Looking to retire next year at 59. Long story short, I have post-tax cash that I can use to set up a 6-8 year bridge until I claim SS. After that, SS+pension should cover about 80-90% of my spending needs, maybe even all of my needs depending on how things go.

Google AI is saying that I'm almost completely isolated from SORR and suggesting that I should reallocate all of my IRA money into equities. I'm currently at about 11% and always thought I should increase that number.

Given the current valuation of the market, this seems overly risky even if it does seem to make mathematical sense. Anyone think Google is way off here?