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**W2R** · 06-22-2009, 08:07 AM

James, I am no investment guru but here's what I am doing. My asset allocation is 55% bonds and fixed, 45% stocks. Of the former, I have 11% in MM and 44% in bond funds (including the bond portion of Wellesley). That is probably a bit heavy on the MM but until I retire and my life settles down a bit I feel more comfortable with the liquidity. I am 61 and will retire in November.

I am not changing anything, nor did I during the market decline (except for a little rebalancing).

Maybe some day I will move 5% from bonds or MM into REIT's, but I am still too timid about real estate to do that.

06-22-2009, 08:07 AM	#105
W2R Moderator Join Date: Jan 2007 Location: New Orleans Posts: 10,398	James, I am no investment guru but here's what I am doing. My asset allocation is 55% bonds and fixed, 45% stocks. Of the former, I have 11% in MM and 44% in bond funds (including the bond portion of Wellesley). That is probably a bit heavy on the MM but until I retire and my life settles down a bit I feel more comfortable with the liquidity. I am 61 and will retire in November. I am not changing anything, nor did I during the market decline (except for a little rebalancing). Maybe some day I will move 5% from bonds or MM into REIT's, but I am still too timid about real estate to do that. __________________ "Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harborless immensities." - - H. Melville, 1851 Last edited by W2R; 06-22-2009 at 08:12 AM.