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I'm trying to come up with a simple lifetime financial asset allocation strategy.

Depends on how you define simple. I'll tell you mine.

I use two asset allocation models to determine % stocks in my portfolio, the rest is CDs because I don't like bonds. They are the Arezi Ratio (based upon the Fed Fund Model) and the Sjuggerund Model. Go to the Mechanical Investing Board and look for those names in the thread title for more explination.

As far as approaching retirment. I'll ladder 5 year CDs for my 5 years of living expenses. Then my remaining money will still be allocated by the above models.

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