What am I missing by leaving my entire retirement in one index fund?

I'm 31 and I put about 15% of my paycheck into a 401k and a Roth IRA, all of it in one broad index fund. I don't rebalance, I don't check the balance much, and I haven't changed the allocation since I set it up four years ago. I keep reading threads about glide paths and bond allocations and I can't tell if my version is a real plan or just laziness that happens to have worked so far. For the people who are twenty years further into this, what ended up mattering that I'm not thinking about yet? submitted by /u/CulturalBottle3464 to r/personalfinance [link] [comments]

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