Hi Aimanager
I called that SLOW AIM.
Put age in fixed income (MM now but long term treasury once rates PEAK and then leave it there, TLT )
Put the rest in stocks, large, small, foreign, REITS
Rebalance at most once / year. Sell losses one day before a year and do buys the next day.
Toofuzzy
Take the road less traveled. It will make all the difference.