Most index-fund based retirement investment packages focus on 80/20, 60/40, and 40/60 stock-to-bond split, depending on your current age.
Nasdaq-100 or SP-500 can be a part of a medium-risk investment portfolio as long as the exposure to them is adjusted based on the period of time left until retirement.
It's a medium-risk strategy to keep up to 80% of your retirement portfolio invested in Nasdaq-100 or SP-500 in your 20s, up to 60% in your 40s, and up to 40% in your 60s. As long as the rest of the portfolio is invested in low-risk government bonds.
Nasdaq-100 or SP-500 can be a part of a medium-risk investment portfolio as long as the exposure to them is adjusted based on the period of time left until retirement.
It's a medium-risk strategy to keep up to 80% of your retirement portfolio invested in Nasdaq-100 or SP-500 in your 20s, up to 60% in your 40s, and up to 40% in your 60s. As long as the rest of the portfolio is invested in low-risk government bonds.