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Author: alstroemeria Big gold star, 5000 posts Top Recommended Fools Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 61275  
Subject: Re: AA for a friend Date: 12/6/2009 11:21 PM
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Personally of 350K invested - I think 40% should be in bonds.
I also think 5% in energy would help figh inflation

Thanks for your suggestions, Volucris.

I thought the Wellington/Wellesley/CD ladder combo would be easier for her to deal with, given her inexperience and personality. I think she'd be more at ease simply collecting dividends & interest and not worrying about market movements or rebalancing. I'm a little worried that if I recommend something that feels too new or complex, she'll be scared into the arms of some investment "professional." Wellesley & Wellington both include energy companies, but are much less volatile than slice or dice mutual funds. I thought the CD ladder could help backstop her small E-Fund (her car is 12 years old, she wants/needs a dental implant and cataract surgery, and her health insurance has a large deductible). Maybe I should reduce the size of the CD ladder to 25k and add an extra 25k to Wellington (which is ~60% stocks)?
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