I'm actually surprised that no one has stated what seems obvious to me on this post. I've been a member of Fool's RYR for the past 7 or 8 years and the "Model Portfolio" has served me well. Because of my personal situation I have used the "within 10 years" portfolio as my guide even though I'm a young retiree. I have followed closely with an ETF portfolio, low cost, well diversified and great gains above the S&P. Just this past week I re-balanced and moved to an allocation more closely in line with the "IN Retirement" portfolio. Thanks RYR, Frisky
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