Here is a link to an article by Dr. Paul Farrell which addresses the specific question that was asked. I am the "Michael" referred to in the article. I had a similar question of how to treat my gov't pension in terms of asset allocation of my overall portfolio. Hope this helps.http://cbs.marketwatch.com/archive/19990629/news/current/superstar.htx?source=htx/http2_mw
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