Hi Tim, You said I've been wondering about a sensible way to manage my 403b port. It's tax-deferred, and gets automatic contributions.
I think that you should have the contributions go to ether a MM fund or a short term bond fund initially. Then when you see how your funds have behaved, you can pull cash from there, to place in your other funds. Being that you are interested in AIM you may want to check out other Formula plans to. I have a message board here, http://www.investorshub.com/boards/board.asp?board_id=966 where I try to find what is good and bad about each one. In the header you will find shortcuts to the main messages describing each one, also at the bottom there is a link to some spreadsheets.
As you were talking about testing, I think I should introduce you to Gummy's web site, Gummy is a retired Math teacher, that maybe the reason there is so much math on his site. He has a lot of spreadsheets that you can get. http://www.home.golden.net/~pjponzo/gummy_stuff.htm Be sure to take two Tylenol, before going there!
Come see me at Systematic Investing group #board-966 lets talk formula plans.