I'm also about 20 years from retirement, and for what it's worth, here's what I landed on.  For simplicity, I combined the idea of a variable portfolio focusing on blue chip dividend paying companies with that of the permanent portfolio.  I also combine all different accounts(ira,401k,savings etc) a...

First time posting, but wanted to see if others felt that most investment assets seem relatively expensive.  So I became serious about savings and investments in about 2004.  At the time I was living in the D.C area, and was amazed how expensive real estate was relative to average income.  Many of m...