Bryant: I'm seven years from my fat fire goal, at which time i'll be 55 yo, babe. Yet in the process of transitioning from a 100 % stock portfolio to a mix that reduces my risk a bit without sacrificing too much on the return side. What do you think about this mix? 65 % total stock market, 15 % small cap value, ten % long term treasury bonds and ten % gold. Using portfolio charts, i reduced the ulcer index significantly, but maintained my total return within point two or point three%. Of a 100% total stock market bench mark. taxes are not a factor as nearly all of these assets are in tax protected accounts.