For most of my retirement money, I follow the "Lazy Portfolio" method. Some examples and results are tracked here: http://www.marketwatch.com/news/story/lazy

For most of my retirement money, I follow the "Lazy Portfolio" method. Some examples and results are tracked here: http://www.marketwatch.com/news/story/lazy-portfolios-annual-update-going/story.aspx?guid=%7B73F4BC3A%2DD0EF%2D4BFA%2D9698%2D01D8DA27C91A%7D&dist=hpmymw http://www.marketwatch.com/news/story/lazy-portfolios-annual... Basically, you buy indexes across asset classes so you have diversification within each asset class as well as asset diversification. It's easy, cheap, and works. It's just not "sexy"