No. of Recommendations: 0
Right now for an entire portfolio including cash, at 40 I'd be:

LC: 20%
MC: 10%
SC: 10%
REIT: 5% (or more when you feel comfortable)
Internation broad: 20%
Int. Emerging Mts: 10%
Bonds/Fixed income (CDs) & cash: 25% (this includes emergency cash)

Hope that helps!


Wow, really with the bonds? I always hear people say no bonds around here for my age. I don't have a lot of emergency cash (only 13K), but I have parents who would fill in the blanks if I lost my job (I also do have plans to increase the amount). If we take emergency cash out of it, how would that change the portfolio you are reccommending? And does a bond index fit your thinking when you say bonds?

Thank you for your time.
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