Hi Clive You lost me in the last paragraph. I would use the V Wave to start each new account and then just let Aim manage each account afterwards. I cant imanage floating in cash in 2003 or 2009 but if I was I suppose starting at 80/20 would make sense at that time, but not otherwise. The global 60/40 individual account 80/20 sounds interesting but I ran out of cash in both 2003 and 2009. Toofuzzy Toofuzzy