Well.... it depends on your financial needs and where do you think you are on your own financial curve
So long as you are still in wealth growing mode (regardless of your age, I reckon it's a personal choice) then you should keep your money in growing assets like equities. Once you decide that it's time to "take it easy" then perhaps it's wise to turn your equities into cash or annuity plans to allow you to lead a lifestyle of your choice. No need to worry about $$$ anymore.
Even if the stock markets go crazy, it's no longer your concerns. Plan early and plan ahead, cheers
*citation, chart is taken from https://www.chiefgroup.com.hk/en/wealth?rl=Menu_Wealth
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