I’ve heard that “time in the market is better than timing the market,” so two years ago, I did some light reading on how to start investing and started dumping into a Fidelity using the [Swensen Method](https://www.listenmoneymatters.com/swensen-portfolio/). For those who don’t know, that’s…
– 50% Domestic stocks
– 15% International stocks
– 15% Real estate
– 10% Emerging markets
– 5% US Bonds
– 5% Inflation-protected bonds.
Two things (1) I’M YOUNG and I’m realizing this is a very conservative investing strategy, (2) I checked my account today to see a +7.45% YTD return, while the S&P500 is doing >30%, and (3) it only took 5 minutes in this sub to learn that you all recommend young folks go 80-100% total stock market index fund ETF like VTI.
So I humbly ask: is there a way to sell some of my positions (without paying taxes or taking profits), and buying into something more “age-appropriate”? I’m just looking for advice to set my financial future. Thanks in advance Reddit.