Hi Daisy, about cash targets. Have you looked at the cash burn page? cash burn page
That page uses starting ratios of 50:50, 67:33, and 80:20, and see's how long your cash lasts as the stock price drops. I would see how far your index funds dropped percentage wise in the last bull/bear cycle and using the cash burn page to get a good idea of what your cash/stock ratio needs to be for your Vealies.
Come see me at Systematic Investing group #board-966 lets talk formula plans.
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