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@backnforth Do you understand the risk implications of going from sovereign bonds to junk bonds?

@stephen2987 What does the 5-year time horizon mean? Do you withdraw everything then? Do you begin withdrawing slowly? If it's the former, I definitely think you're way over-allocated in equities. If it's the latter, maybe that's okay, but refer to /@hugh999's comment. I think you should run...

@hugh999 Agreed on all points, but I think that clarifications are needed from OP regarding the time horizon (per my other comment).