Yes I do remember!

Well, as you probably already know, there is no right or wrong answer to what you should do. It's a personal financial decision you must take, depending on your own life goals as well as your own tolerance to risk.

One good advice I can think of is sticking to the old idea of: imagine you don't have the current portfolio you have, and instead simply have the exact same value of your portfolio today in cash. If so, how would you allocate it?

The idea is, you shouldn't be biased by your current allocation, and you should simply think in a cold, rational way, what is the optimal portfolio, regardless of where are you coming from. And then, simply take whatever action leave you in the allocation you consider best.

Put differently: imagine you would have had this unexpected sum of money when you were about to take the loan. Would you have taken the loan just the same? Would you have take a smaller on? Bigger one? If so, how much bigger?