No. of Recommendations: 2
"But I want a strategy I would actually follow, not just one that sounds good. And the fact is at age 31, and with interest rates so low, I am not going to put 21% of my wealth in FIIs."

I tend to agree but you're going to have to live with a lot of volatility between now and retirement. Will you still be comfortable being 100% in stocks when the next 2000-2002 type meltdown hits? As an alternative to the usual fixed income securites you might consider building a core position in REIT's. But tell yourself you're buying them for the income and ignore the price fluctuations. Over time you should still get some price appreciation and they will counter swings in equities to some extent.
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