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No. of Recommendations: 0

1st --apologies: the makeup of my port. is Irrelevant
since i'm not yet retired. but i still like the
'stomach test' as opposed to age-based rule of thumb.

2d-- now that i've re-read it, i like the Zgriner
approach (if i understand correctly) : M months of
cash for immediate expenses; Y years of expenses in
laddered CD's &/or Bonds; rest in Stock. One
hopes that most of the time, the stocks gain enough
to replenish the cash. When they don't, you live off
the Maturing FII's...

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