I will go for the "separate" portfolio's of course so that if things will happen unexpectedly both sides are safe. There is no problem about being together but we also need to consider things we can not control and unevitable things that will come to both though if really can go along and happy together I think there is no problem having separate funds. I might be an overthinker but who knows right? I am in a place where things are not great and I personally witnessed things that doesn't seems to happen but it did.