I don't profess to know the best allocation. I don't invest in individual stocks, but in mutual funds. I don't invest in international funds, because the same ones never seem to have a good record from year to year. Guessing which ones will do well is just a guess, so I stay away from international funds. I keep less than 10% of my overall port in fixed assets, but it's enough to take care of me for 3 or 4 years. If I took advantage of distributions from my stock funds, then the fixed asset port would keep me happy for probably 10 years. All and all, I believe in keeping it simple in most large and mid-cap Vanguard funds. It has worked well for me. I still do a little part-time consulting, which is a great way to supplement a good portfolio. For the last 7 years, I haven't had to withdraw anything from my port, living off of my part-time income. Yes, I'm a little lucky, but I made most of my own luck over the years, but not all of it. I owe my parents for much of what I've been able to achieve, since they gave me a good start down the right road when I was growing up.
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