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To me a good complement for a risk-averse investor would be the Target Retirement Income fund. It has US and International index funds, so you get the full world stock coverage you lack with Wellesley--about 8,000 more stocks that Wellesley. In the case of inflation, which would presumably hurt...

I second the Rick Steves tour idea, even if it's just for the Paris part of the trip. Make sure to read the tour description, though, which lists how much walking for each day and how strenuous it is--it can be several miles a day, not the hop on and off buses type of tour. They also require...

Penfed CDs (thanks to this board's recommendations) saved my butt during the Great Recession--I went to 20% stocks in early 2007 and put the rest of my taxable money in Penfed 7-year CDs paying 6.25%. It sure is going to be a shock in 2014 when the CDs mature and I'll have to reinvest in a...