Yobria said:

Also, the Wellesley doesn't provide international diversification, which you must have. I'd put 25% of your stock investment in international equities.

I wanted to check on the 25% quoted for international equities and went back to check on John Bogle. His rule of thumb recommendation : "Limit international holdings to no more than one-fifty of the equity portfolio".

So if you are 60/40 with 60 being stocks it sounds like 1/5th of 60% or not more than 12% of your holdings should be in inernational holdings??

Jack