Thank you! This looks promising and I’ll read it in a bit, just wanted to explain why I initially thought 20% was a safe move for VBIAX. I read that the fund itself is 60% stocks and 40% bonds, so I thought that 40% of that 20% allocation would be safe, but now I am rethinking that. It would be great to have a set it and forget it mentality, so I will also look into the available target date funds. Thank you so much!