My target AA is 55/45. My "bond/fixed asset allocation is some 400k in a future (4 years) DB Pension Plan that is very stable. I am not worried it won't be around when the time comes to either take the montly annunity or the lump sum. I am considering putting my entire stox allocation in the Vanguard Total Stox Market ETF. That along with 3-4 years cash to avoid selling stox in a bear market. Your thoughts?