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[quote=Anonymous]OP, you need to think of inflation as a risk as well. HYSAs and treasuries might look great now but they've still below the rate of inflation. Ibonds keep pace, but you can only buy $10K per person per year. If you don't invest in stocks at all you run the very great risk of not being able to keep up with inflation. You don't say how old you are but if you have 30+ years until retirement, inflation should worry you more than the next stock market crash.

At least 30% stocks will help hedge against that. You could keep the safe assets you like and gradually add to a total stock index fund as others have suggested (I have VTSAX).

If you can't handle a pure stock fund, blended funds like Wellesley and Wellington as others have suggested are good as long as you're holding them in retirement accounts. If they're in taxable accounts the capital gains will hurt. For a blended fund that's appropriate for taxable, check out Vanguard's Tax-Managed Balanced Fund (VTMFX). It's 48% stock, 52% bonds and the bonds are federal tax-exempt municipal bonds.[/quote]

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