except for a reasonable contingency in cash to cover 6-12 months expected expenses and some medical. But that stock allocation will include a decent portion of dividend payers and dividend growth stocks. I figure Social Security will be like the "bond" portion of a portfolio to give a steady monthly income.

I'm still a few years away, but investing in bonds now would scare me a little because they'll lose money if/when interest rates start increasing.

For another reference, Vanguard's 2020 target retirement fund is 57% stock / 43% bonds, and their 2025 fund is 65% stock / 35% bonds.