Hi Ray
Style in reguard to investing would br large or small, growth or value, domestic or foreign, stocks or bonds.
So maybe, large value, small value, foreign, REIT, and bonds.
I dont think you need both growth and value.
I would not own bonds at the present time but would wait till the feds raise rates and then there is a first rate cut. Then start using a long term treasuary fund like TLT.
The best time to start investing is yesterday. Use the V Wave as a guide for how much cash to start with, at the present time 60% or so.
Lets say you want to AIM the five style funds I suggest but only have $40,000. You could start with the two funds that have done the worst in the last year or two. Add new securities as you have the funds.
Toofuzzy