[RWebb]

oh -yeh -- I have other lower gain / lower risk things -- Roth IRA 403b and the lowest risk least gain thing is non-retirement, which is balanced towards current out pays - mortgage, booze, and car parts (plus wasting $$ on women).

I'm mid-50s. But today I can expect to suffer for 30 more years, so I and others in that bracket still need a high gain (and consequent high risk) retirerment portfolio.