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Investor age: 45



80% stocks:
 26% U.S. large-cap
 22% U.S. small-cap
 27% international
  5% special (i.e., long-short funds)



20% bonds and cash:
 10% international
  5% U.S. government
  5% money market



Data: Ross Levin, Accredited Investors



Investor age: 60



60% stocks:
 17% U.S. large-cap
 12% U.S. mid-cap
  8% U.S. small-cap
 15% international
  5% real estate
  3% special (oil and gas partnerships)



40% bonds and cash:
 16% U.S. intermediate-term
  8% long-term
  8% short-term
  5% high-yield
  3% money market



Data: Karen Altfest, L.J. Altfest & Co.



Investor age: 75



36% stocks:
 13% U.S. large-cap
 10% U.S. small-cap
  8% international
  5% health care



17% balanced stock/bond funds



47% bonds and cash:
 15% high-yield
 13% investment grade corporates
 10% U.S. inflation-indexed
  8% international
  1% money market



Data: Jerry Wade, Wade Financial Group