If you are in your early 40’s then you are looking at a potential c25 year investment time horizon.
Adopting a low risk strategy is likely to deliver a low rate of return. On the other hand, a higher risk strategy (high Equity content) , whilst likely to result in greater volatility of return, is also likely (but not guaranteed ) to deliver higher returns over time. Perhaps as you get closer to retirement you can then begin to reduce the risk profile. But with c25 years to go, you can justify a higher risk strategy for the next 15-20 years.