Houston, I will try this again.. fifth time.. if you need to lower risk rebalance to the 60/40 but do it slowly as bonds are at the peak.. gold makes a good inflation hedge for the 40 percent bonds funds but it too has been on a multi-year bull run!! Bond funds give up too much of the yield. have you thought of international stock/growth stock-small caps stock.. also DJUA has been a great. ...



