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I'm fortunate to say that I'm not concerned about size, and think I will be in good shape to support a 3% withdrawal rate (probably relying mostly on unavoidable dividends and interest for the "withdrawal"). I have no intention to trying to "beat" the market, and just want an asset allocation that largely protects the capital and provides some growth to protect against inflation. As I hit retirement itself, move the overall allocation from 60/40 to 50/50.

The stock portion of the large cap is about 5% and is largely just 10 major dividend payers of the Dow: for example, Exxon, JNJ, Kraft, Verizon,HP, a few others, plus a little Berksire, Google, and Microsoft. I realize that's largely redundant to the cap-weighted S&P Fund and increases the exposure in the largest cap area, but I like the psychic pleasure of owning some stocks directly.

The non-stock portion is:

25% BND (Barclay's indexed ETF)
7% SHY (1-3 year Treasuries)
3% VNG (reit ETF)

I know I probably "should" have something in commodities, but I've never been comfortable with them.

Thanks again for all the help and advice.

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