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Hmm. When I looked at them, I wasn't terribly impressed and didn't look farther. As I look at them now, I recall why I wasn't impressed -- that same very conservative approach that you noted. I think my straight 20% allocation is less conservative than that, and I was thinking I was too conservative rather than not conservative enough.

Still, it's good to have the perspective. Thanks!

ThyPeace, probably not going to make it to a TSP millionaire, but willing to try.
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