The new Nasdaq 100 Index, stock quote "QQQ". How about putting 50% of my funds in this and the other 50% in a S&P 500 index? Then make monthly withdrawals to accompany my S.S. and pension? I keep a safety cushion of five years worth of supplemental funds in a money market.This would provide wide diversation (600 companies) and also provide exposure to many international firms. It would also be very easy to manage and track.For 1999, this arrangement would have yielded a 52% return. This won't happen every year, but it may increase performance and provide participation in the technology sector which (IMHO) will continue to have above average performance for the next few years.