Why not just broadly allocate and go have a good time.....enjoy life what the heck. A take-off on the coffeehouse investor philosophy. All this gets a little anal after awhile. Why worry about what will happen in 30-40 years when we need to enjoy today and the next 1,2,3,4..... years.Heck you've got a million bucks, you've saved and sacrified like crazy and you're getting gray, old with ulcers trying to pin things down to the last decimal point.