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Age brackets relative to exposure are as follows: between the ages of 45 & 55 one should be approximately 60%-50% exposed to high growth investments and 40%-50% exposure to low, risk fixed investments. Please understand because you are retiring "early"(I presume) does not mean you should be heading an unhealthy mix of far too conservative invesments now. You should stick to the traditional structure as I have briefly outlined for you. Consider this: if anything were to change for you in the next 10 years you could "still" work to make up for any losses. Now, given how medicine helps us live longer etc... you clearly would not want to be taking on any kind of work 20 years down the road. BOTTOM LINE: you still have time to regroup potential losses over the next 10 years however not over the next 20. Still be aggressive over the next 10 even though you worked incredibly hard to make early retirement possible.

Defining high growth and fixed are another area to contend with. Very essentially I can offer this: when dealing with direct equity exposure and wishing to hold for many moons there is only one way to go and that is to value stocks. Consequently, this group of stocks that is nearly always unpopular with investors regularly outperform popular stocks which are commonly known as growth stocks. In fact, according to data going back to the mid 70's, large US companies had a rate of return of 15.1% vs. 11.4% for large US growth companies.

Holding growth stocks for "long" periods of time is nearly an oxymoron because what is growing today is potentially shrinking/non-existent tomorrow and unless you are able to monitor them/work with someone that monitors them be careful. In fact, a good fund for mid cap growth and small cap growth is the best way to visit those areas.

Good luck and I apologize for the rather verbose post! Sometimes I feel altruistic and want to share with the world!

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