Took a deep breath and checked the end of the quarter. And the 50-50 paid off

That is, half bond funds, half stocks.

While the S&P 500 dropped 24%, our portfolio lost 10%.

We used to split them 60 stock, 50 bonds but after the 2016 elections we changed to 50-50.

Yes, in the past few years our returns were half the market but, really, did not bother me. Chose to leave them with no changes.

Interestingly, two years ago an advisor from Vanguard suggested to further split between domestic and international, something like 30% of the bonds to be international. I don't remember the split for stocks. But I really did not feel like changes. For the year, now, the total bonds fund went up by 3%, but the International bond fund - 0.6%.

Will continue to stay put. Had to withdraw RMDs for the first three months but will now convert parts of the pre determined amounts to Roth.

And, I was thinking about those senators who sold before the crash, something like close to a million dollars value. But they generated taxable capital gains! Well, at least this would be my thinking..