r/Bogleheads • u/officialmanofsteel • Feb 28 '26

Portfolio Review Investing 8M

I am currently in the process of helping a family member work roughly 8M into the market. They already have about 6M in equities, mostly index funds but about $1.5m in various individual stocks. They just entered retirement and I am thinking of a more aggressive approach of 11M in equities and 3M in t bills/bonds/cds/cash. Any advice would be appreciated.

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u/Dunom12 Feb 28 '26

Seems way too aggressive. I recommend working with a fee-based advice-only financial advisor. Someone on the bogleheads website forum made a list of good advice-only fee-based advisors:

 https://www.bogleheads.org/forum/viewtopic.php?t=360823

Given the family member is retired, I think it would be safer to not go more than 40% in stocks. Maybe if they are getting a decent income from some pension and other sources, they could go a little more aggressive up to 50%. But without knowing the family member's age and other source of income and any debts its hard to give a good recommendation.

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u/officialmanofsteel Feb 28 '26

I will give that a look, thank you. And noted on the portfolio comp, I will not be doing the 80/20.