Personal Finance

You get better long term growth out of stocks. Bonds offer less volatility which is what you want when you are depending on that money.

Until I'm seriously asking myself: "Do I want to retire yet?" I wouldn't put anything in bonds at all. Once I reach that point I'd shift ~5-10% per year into bonds, until I have enough to cover at least 5 years of my retirement. Once retired I'd pull out of whatever's grown the most that year, to live on. In years where stocks outperform bonds, keep shifting more into bonds to maintain that 5 year runway. Even grow it further to 10 years. Then I'd just maintain that 10 years of bond runway. It's highly unlikely I'll ever need more than that.

how much international stock to have vs domestic stock is almost a religious war at this point. Pick whichever you like (I like 0% international personally), and then stick with it. The most important variable will really just be the Equities vs Bond ratio; and even that is nibbling around the edges unless you're making 1000basis point changes (shifting from 10% to 20% in your case). And stick with that too unless YOU have a reason to change it, not because you think the market has a reason for you to change it, such as becoming more risk averse due to age, life circumstance, etc.

ETA: FWIW at 30yo, even 10% bonds might be unnecessary. But that depend on you and your risk tolerance and when you expect to need that money.

Bogleheads has explained its rationale for its three-fund portfolio strategy. If I were you, I’d be trying to investigate/explain why my three-fund strategy is better than Bogleheads’.