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<< The wife is insistant that she wants zero risk of loss of principal>>

I would go as close to 100% stock as you can stand.

You need bonds or CD's when you want to spend the money in the next year or two.

About two years before retirement start moving money into CD's for one or two years of living expenses. If you want less risk move to CD's three or four years before retirement. If the market goes down live off the CD money until the market recovers, then sell and rebiuld the CD fund.
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