56 and planning to semi-retire in a few years. Interesting to see the diversity of allocations, most of which I suspect are well-considered. .
58% stocks (60%% US; 40% Intern.; 34% large cap; 7% small cap; 17% international)
I allow myself a 10% sliding band from 50-60% stocks with a 3% trigger over max to rebalance, so if the stock allocation gets to 63%, I'll rebalance.
My ostensible bond allocation is 30% bonds, but I've allowed it to steadily decrease (from 33%) and stocks to increase (from 48%) the last 2.5 years. That's based on my sense that stocks were a steal 3 years ago and a lot better mid/long term value than bonds. Got rid of long-term bond funds then and slowly moved to shorter and alternatives like TIPS and Floating. Sold TIPS fund in May concluding they were grotesquely overvalued. Moving slowly to a higher mix of international bonds and wish I had enough money in taxable to construct a bond ladder and Guggenheim Bulletbonds, but won't happen for a while.
If I think a sector is overvalued, like tech/S&P in 2000, or housing/stocks in '06, I'll reduce down to the minimum value (or a bit lower, like now in bonds). I adjust monthly 401/403 contributions to buy back into the sector slowly, but that won't work as a strategy after retirement in the next few years, so I'm mulling over that piece. Quirky, but it's worked so far since 1998.
Past returns are not predictive of future gains, TBS.