TheTimeLord wrote:Is there any reason I should invest any additional money into bonds or FI of any sort, or should all my future savings go into equities given my situation?
Sounds like you will have plenty of money not matter which decision you make. Financially, there may be little reason to add to the bond side of your portfolio.
That says nothing about the emotional side of investing though. The bonds do add stability to your portfolio. And sometimes there are long periods of times when bonds outperform stocks - it's nice to have a slug of them during such decades. At least something
is making money.
If both of you are on board for a more volatile portfolio in your older age, I can't see that letting your AA drift to a higher percentage of stocks should be a problem. However, there is often 1 person in a couple who is more conservative.
And if you already have enough money and don't care about legacy......it is hard to see why you would want to have a more aggressive portfolio. What is there to gain?
And lastly, things change as you age. What seems fine to you now may be frightening in older age. It would be a shame to get too aggressive and have a shift in risk tolerance. You could end up doing something dumb or your spouse could if you catch the bus first.
I guess I don't see the point in what you are considering.