No. of Recommendations: 1
I don't think anybody wants a decline of more than 20% - that said, I voted for the 60/30/10 -- With that you have 10% in cash - that is more than 3 years of spending. While the 2008 deal was a mess, the equity portion as measured by the S&P today is about where is was in early September 2008 - not at the 2007 peak.

The reason I chose that allocation is mostly because you want 40 years and over the long haul I believe the increased risk will be necessary.

Gordon
Atlanta
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