Kid just turned 13 and wondering what others are doing or opinions on asset allocation as a kid approaches high school. Right now they are in roughly 70% us equities and 30% international equities. About a year ago when the S&P was at 4400 I almost switched everything to an age based fund that is 50% bonds. I know bonds got hit hard so probably would not have protected too much value. Just don't want to go too conservative too early but don't want to wait too long either.

I'm all S&P 500, but mine are still in elementary school.

Daughter is in 2nd year Law School and Son in 11th grade.

Both accounts are in Cash as I got out of the market at the Peak last year as son will start college in year and half and daughter is almost done with school.

It was the right move.