Hi Tom I have been reading some stuff recently about the 2 year vs 10 year spread and possibility of inverting interest rates and what that means. I came up with an idea for a gross account allocation. Lets say two year rate is one % and 10 year rate is three %. Divide 1% by 3% = .33 then have 66% stock If 2 year 3% and 10 year = 4% then be 25% stock If short rate same as long then be 100% cash Just a thought for a total portfolio guideline. I haven't backtested. Toofuzzy