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...Thank you Greg - then the question becomes after these considerations when I start withdrawing some of it my thoughts are to place whatever I take out and place in the other parts of the port so that the port will-have 30%in stocks 30%--in treasury money market fund,30% in laddered Cd's,5% in bond funds, and 5% in silver and gold. I am concerned because income from 60% of the port is not generating income and this time BUT it is a safe as I can make it.


It is hard to know exactely what is best without knowing all the details of your situation but a good place to start would be the targeted retirment funds like these;

You don't need to exactly match the dates on the funds with your retirement date, for example if you are already retired but want more in stocks, then you could use something like the 2020 or 2025 fund to be more aggressive.

If there isn't one that is exactly right for you, then you can put part of your money in the closest fund then use the rest to invest in other funds to match your desired allocation. For example if you found one that looked good to you but didn't have the 5% silver and gold that you wanted, then you could put 95% in a targeted retirement fund and 5% in separate gold and silver investments.

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