[criddell]

My concern is shifting from maximizing upside to minimizing downside because I'm only about 10-12 years from retirement.

[unethical_ban]

The laziest safe thing to do is put money into a target fund that is managed. So you could look for "Target 2040" and in theory, they change the asset mix as it approaches that date.

[barbazoo]

But that’s people, what do they know about 2040 that I don’t?

If I was 10 years away, I’d maybe look at bonds or GICs or is that too conservative?