2old,Thanks for the reference to the other book. Not sure if I am up to the math but I will see what the book 'looks like' by browsing it.Volatility noted. Simple version is the stock market with does slightly better then the bond market but has wider swings.I think I read somewhere that REITs on a 10 year average had the same yield/performance as the S&P 500 but with half the volatility. Piece of trivia!John
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