Very good discussion, and thanks!To clarify, I am not a beginning investor. I have followed this board a long time and have done well with investing.I did all the homework and reviewed all the threads. I know there is no "easy" solution. There was no mention by me of "no risk", or "no effort".These funds are a small (<5%) part of my total portfolios, which are well diversified in a number of different things. That being said, following the discussions of asset allocations and reviewing them recently, I was simply looking for real time insight for those that have used them! Some of these strategies seem to have great merit, and was just looking for help with the whittling process, certainly I can and will complete that myself. These might seem to be nice approaches to monies not in my regular line of sight.Next time I will use a poll maybe :>
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