No. of Recommendations: 1
1) With $850,000 expenses are not chump change. 0.5% is $4,250. For that reason actually owning shares directly can work out cheaper. Vanguard has 'admiral' shares for big $ clients with 0.09% expenses (still $765/yr).

2) Mixing small, medium and large cap idicies results in a total market index. If that is what you want go with one total market fund.

3)I suggest you diversify the fixed income to include foreign bonds. You might consider a foreign currency account at

4) Precious metals. If you are talking mining stocks I suggest you go with a natural resources fund that invests in energy, basemetals ect.

If you are talking about actual gold silver ect. in case of a financial crises you might consider physical posession of the assets.

5) If you are considering a "die broke" strategy you will need to convert the capital into annuities over time, consider:

6) US$ CDs are paying 4+%, which seems ok.

"needing income during her retired years," That typically means dividend paying stocks, bonds and annuities. Note that reaching for yield is a good way to lose alot of money.

Right now I think the big decision as to allocation is % energy stocks. If you can get that right it will not matter what else you do. Sadly nobody knows that for sure.

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