Article on portfolio management

[DesertCat]

I don't have time to read the article, but it sounds consistant with my personal philosophy. I'm not positive small caps will continue to have an edge over larger cap stocks, but it's not risky to make that bet.

The key to this approach is that you really need to be committed to a long term investment. If you freak out the year when small cap index funds drop 30% and switch to a different approach, you'll kill your performance. You can't put money in an approach like this if you will need it in a couple years (to buy a house, start a business, etc), because you can't predict volatility. This only works for committed retirement funds when you are at least 10+ years (and probably 20+) away from retirement.

If you think you'll need the money sooner, having 20% in a bond fund is a nice