Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Asset allocation when retirement is already secure
As others are saying, you want to be a bit wary of completely counting on a defined benefit pension plan to be fulfilling exactly the same promises during your retirement that it's making right now. But, if in fact you've "won the game" (for lack of a better term) and are sure you have enough to live comfortably in retirement for whatever definition of "comfortably" you choose, there are basically two reasonable approaches: Those are all reasonable approaches, and so it really comes down to what your risk tolerance is (a.k.a. "Can I sleep comfortably at night without staying up worrying about my portfolio?"), what your goals for your money are (Just taking care of yourself? Trying to "leave a legacy" via charity or heirs or the like? Wanting a "dream" retirement traveling the world if possible but content to stay home if it's not?), and how confident you are in being able to calculate your "needs" in retirement and what your assets will truly be by then. You ask "if it would be unwise at this stage of my life to create a portfolio that's too conservative", but of course if it's "too conservative" then it would have been unwise. But I don't think it's unwise, at any stage of life, to create a portfolio that's "conservative enough". Only take risks if you have the need, ability, and willingness to do so.