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Tax losses Good point DblDoc, that was the first thing that I did. After the dotcom and financial bubbles, even a buy and hold investor like me had a few losers. Selling those losers and taking some capital gains enabled us to get to about 20% bonds, but everything else has a basis value...

Thanks to all I got a lot of thoughtful replies which helped me to judge my position. It seems to boil down to a question of risk versus return. Do I need to shift to bonds to 'sleep well at night'? No, I sleep fine. My portfolio is well diversified across industries, large and small caps...

We are about five years from retirement with about 80% in equities and 20% in bonds. Although we know that we should be shifting towards bonds, most of the equities are in individual stocks that we have held for decades with a basis value of 10% or less of the market value. Thus, we will...