I don’t understand why there should be a percentage mix between stocks and bonds. Stocks have performed much better than bonds historically so the best strategy is to have the maximum amount of stock you can tolerate. At retirement, I would think it would be best to have five years worth of withdrawals in bonds and the rest in stocks. This way you should be able to weather any downturn in stocks that last up to five years.

And until you plan on withdrawing money, it should be 100 percent stocks to maximize your gains until retirement.