You can see this effect by playing with this calculator: Vanguard Retirement Nest Egg Calculator You’ll also see that adding too great a percentage of bonds begins to hurt results.
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You might find yourself making some money in retirement.
Or over the years you might move from one stage to the other and back again more than once.
But using this framework of two stages and two funds, you have all the tools you need to find your own balance.
In determining that balance you’ll also want to consider two additional factors: How much effort you are willing to apply and your risk tolerance.
This means you will sell shares in whichever asset class has performed better and buy shares in the one that has lagged.