I’m being serious here, but why do you have 20% in bonds? Just seems like a lot of money left on the table.
Listen, I have been doing dumb trades myself and not just being in an index fund so I am not close to being perfectly allocated myself but I just don’t see much point in bonds even as a cash equivalent these days.
If you are out on the risk curve with me you can use the s&p 500 as cash or like Berkshire or a solid dividend producer. But again, there are probably people smarter than me that might be ready to buy bonds now.
If you have already accepted the conceit that you are going to “time” the market by “re-allocating” then you might consider lowering your exposure to bonds though as your time horizon is probably far enough out that it should not even be 20%.