That may depend on how flexible you are regarding your retirement date and how long you are preparing to live post-retirement. If you're going to retire in you're 30s by giving a surprise two-week notice whenever you hit "you number," I think staying all-in on equities isn't too suboptimal. But in most cases (including mind) there'll be some diversification as I near the big day.
PhigNewtenz t1_jac5qjh wrote
Reply to comment by 93195 in My Roth IRA is 100% invested into VTSAX. Is it an issue to keep investing in VTSAX each year? by dennisj9
That may depend on how flexible you are regarding your retirement date and how long you are preparing to live post-retirement. If you're going to retire in you're 30s by giving a surprise two-week notice whenever you hit "you number," I think staying all-in on equities isn't too suboptimal. But in most cases (including mind) there'll be some diversification as I near the big day.