We just retired and have had no stocks for awhile.When the market has it’s next big meltdown we will be buying with a goal of 25/75.If no major drop happens I am perfectly fine as we are.I do not put so much trust in historical returns because the high tech,globalized,climate change,energy change,politically changed world of today bears little resemblance to even 30 years ago,much less 50 plus.The market and trading practices have also become night and day.I really could not care less about what stocks did from 1945 to 1970...might as well have been a different civilization.