I have a managed account through Vanguard and have it set to moderately aggressive and I’m 40 and plan on retiring at 65. Based on these parameters, my current asset allocation is as follows:

1% cash and short term bonds

10% Bonds

37% US large cap stocks

16% mid/small cap stocks

36% International stocks

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Curious if this allocation is appropriate and if it’s worth sticking with a managed account. It does not follow the 60/40 rule and was wondering if perhaps this is too risky or typical for someone my age who still has at least 25 years from retirement? Considering dropping my risk level down one level to what they considered “typical for my age”which would be at a scale of 3 out of 5 instead of 4 out of 5 which I have currently.