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Limited offerings to just a few index funds of domestic/international stocks and bonds. Added value/risk comes from allocation strategies, with maybe a required minimum by a certain age (i.e., 25% minimum in bonds by age 60).

Well, that will certainly guarantee mediocre returns. Let's see, when I was 61 it was 1997, and I was all in mutual funds and stocks. I had an excellent run until March 2000, when I went to cash. There were a few times between 1997 and 2000 when I was all cash also.

I like to pursue excellence in everything I do. Pursue is the right word - I was a terribly slow runner, but I had a lot of fun going for it anyway.
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