Depending on your age, you may be being a bit too conservative here. While equities may very well lose ground for a year or two or five in a row, history has indicated that over 10, 20, and more years, the stock market is the best way to compound your investment. If your time horizon for retirement is at least 10 years off, you should really consider an asset allocation that includes at least 40% stocks, not just stocks as an after-thought.In terms of specific asset allocation, do some reserach on "efficient frontiers" and how you can reduce your risk and volatility through proper diversification for the long-haul. One book that I would recommend is "The Intelligent Asset Allocator" by William Bernstein.Don't let anyone us (on TMF or elsewhere) tell you the proper allocation for you. This is a highly personal decision that should be based on your specific goals, time horizon, risk aversion, and preferences. Do your own research, solicit opinions, and then make your own informed decision. Understanding exactly what you're doing and why will make it a lot easier for you to sleep at night.Monster D
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