I am getting ready to launch into my next life--Retirement. I have a nice nest egg and would like to compare notes with others on this board regarding how to spread this around for a good return. (Anything that beats the S&P500 by 10-15%+) I personally like the idea of spreading 3-5 years of expenses over a laddered CD or T-Bill account to provide a shelter for a market downturn.. What I would like to know is what others think of the above and where are others putting the balance of their investments. I tend to have a medium high level of tolerence for risk by using the laddered approach above. I am looking for monthly,quarterly, semi-annual and annual investment portfolios. Anybody want to share their thoughts on this? Mike
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