[masraum]

I think it depends upon how much risk you are willing to endure. I also think that it depends upon how on track you are for retirement. Are you ahead of the game, then you could likely have more in the market. Are you behind, then maybe you need to be more conservative.

I'm not doing bad, but from my point of view, I'm behind. I'm also confident that I've got risk minimized, through index funds that are spread around through various asset classes, so I have more in the market than is usually recommended.