Re: Your opinion,please?
You might apply some simplicity to this by just buying vanguards lifestrategy income, conservative or moderate funds. Perhaps the income in your taxable account and the conservative or moderate in your IRA, or maybe the other way around depending on whether realizing dividends or capital gains will be more appropriate for your tax situation.
These funds hold some total stock market, some bond market, some short term corporate, some asset allocation (which switches between stock and bond depending on market conditions), and in some cases a small foreign stock element.
Low cost and simple, just cash the dividend checks and if needed, sell a few shares once or twice a year.
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.