Agreed, that is the simple and low stress method. Of course a key part is, when do you think you will need the money? <5 years bonds or similar, >10 years S&P

Agreed, that is the simple and low stress method. Of course a key part is, when do you think you will need the money? <5 years bonds or similar, >10 years S&P 500, between 5 & 10 .... well its not so easy ...