Can you explain that in more detail. I'm very much interested.Same here, but if I get hit by a beer truck I'm sure DW will be uninterested. For those uninterested like DW I think I would advise a ladder of corporate bond target date maturity ETFs and a 10-rung Treasury ladder for the fixed income allocation. That would be 20 tickers for a 10-year ladder and only require attention once a year.