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I wonder if anyone has any views or data about the most effective asset mix for a retirement portfolio? Say it's a typical situation where the portfolio needs to be productive, last a long time, and won't be abused by excessive withdrawl rates.

They say returns are affected more by allocation than the funds or stocks selected within the allocation. So, whats an effective allocation?

Example: 25% fixed-income, 75% equities, AND, in the equities part this portfolio might be in Morningstar jargon 30% LCValue, 30% LCGrowth, 30% MCBlend and 10% International. Just an example, but one that I have seen recommended. You can get these opinions from a variety of web sites, but they will differ.

Anybody seen any analysis on this, like say the Trinity study on withdrawl rates? Or just have an opinon?



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