Retiring Soon? 4 Steps to a Better Portfolio

wELL, THIS 50/25/15 & 10% ALLOCATION DID, WHAT i FGURE ABOUT A -24% LOSS IN 2008

PAST 5 YRS OF ABOUT +3.2% APY
USING the 3 main Equity Indexes , Tot Bond fund of VBMFX, A Reit fund index and 10% cash
and this is Ending 2008... not including this yr..

Now, if making this piddly amt of ave 3.2% turns You on? B my Guest.

Even Treasuries ending 2008 havea 7.6% apy for the LT and 6.5% apy for intermediate.

and even VBMFX has a 4.6% apy..

Truth be known? Seems to me People are going to just have to Save More ( at least 10% of their income) and put alot more Into Bond Funds, like at least 50% if not more... and ( God Forbid)

just live with -in their means and spend less..

Sorry Smart $ and Wall street, afraid you will have to lay off even more if people wise up to this information.. and yes, it will slow down our Recovery and our Economy as well..

I say? TFB..