Greetings 2828...I have %100 in stocks right now and think i'm going to wait to consider bonds and REIT's when the environment is more friendly to those investments...Everyone has their own personal investment goals and financial situations...so, everyone's asset allocation may well vary considerably. I have a pension that provides for my basic needs and my portfolio reflects that to some degree.I've decided that I don't have what it takes (Mainly a strong stomach) to pick out individual stocks and hope that they don't fall on their arses. I also don't have any "earned income" for purposes of utilizing a Roth IRA, so everything I invest is fully taxable. (That's what I get for being a late bloomer and a financial idiot all my productive life). Anyway, I have decided that "Exchange Traded Funds" (ETFs) are the way to go...for me. I've allocated my port as follows:1) Vanguards Total Stock Market Index Fund (VTI) - 60%2) iShares Dow Jones Real Estate Index (IYR) - 20%3) iShares Intermediate Treasury Bond Fund 7-10YR (IEF) - 15%4) Individual companies/investments/ETFs (for fun) - 5%Number 3) is the only allocation that I haven't invested in as yet. After making my decision on this I suddenly got cold feet when it came to treasuries/bonds in general because of their inverse reaction to the Prime Interest Rate. I need to study this some more, I think.As far as REITs go...I think that they will be the sweethearts of my portfolio. I think they make a nice offset to equities. I believe they are much more inflation resistant then other income producing investments. However, I still want to add that treasury/bond allocation too...eventually...I think. It will nicely round out my "Couch-Potato" Port! If not, I'll add more REITs.Anyway, that's what I'm up to. Best regards,Bill
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