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Can anyone suggest proper portfolio allocation...about $600,000 to invest...I take about $20,000 annually from earnings.

You did not say if this stash is your primary source of income, or just a boost to your pension. You are not drawing SS yet. For example, your 20K could be covered by the current FF dividend.

Assuming that you want to decide and control your own investments now, consider the following rules-of-thumb:
Rule #1: If you want your stash to provide a perpetual income (and a legacy), never draw more than 5-7% of its value, per year, regardless of its return. This assumes an average yearly 3-5% inflation and 8-12% return. Keep your assumptions conservative.
Rule #2: Keep at least one year's draw in cash & CDs/Ts (some Fools say 3-5 years' worth, laddered, to ride out bad markets).
Rule #3: Once established, as stipulated in Rule #1, always draw the same amount, per year, adjusted for inflation. Don't get greedy during good years and use your cash during bad years.

If you follow the above rules, then investing in the FF, Keystone, & CashKing portfolios is reasonable. You would replenish/adjust your cash yearly, when you rebalance your portfolios. This will also keep your trading costs down.

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