Honestly, what is best suited to my personality would be 100% in a 5% yielding money market, which we may not see again until long after I'm retired.
I have done enough with Tyler's charts to convince me I need to up my equity to try and capture some more CAGR in the 13-17 years I have until retirement. I'm the first to say the future is unknowable and I should not be taking the historical chart returns as a sure thing. However, I am at the point where if I don't do this, and stick to 25% allocations I am at point A (4.8 CAGR per Tyler's latest) and point B with the Cortopassi Prosperity Tilt (6.2% CAGR)
If I retire in 15 years, that's 2x my money with the PP and 2.5x with the modified.
Not as much difference as I'd like but at the levels I am talking about, extra $$ in retirement will help more than less $$ will hurt. At least that's what I think, assuming there is still a social security safety net.
Lady in the office and her husband are 2 years from retirement. Have 3 million in investments. Obviously invested their money wisely. Even with a 2.5x return and continuing the insane savings rate I do right now, it is nearly impossible for me to ever get to that level. I will be lucky to retire with half that amount in investment accounts. Not shabby, but I will beat myself up again here, it should have been a shitload more were it not for 25 years of stupidity on my part thinking I could beat the system.