Hi KBG...thanks for a quick response. For me the individual asset classes do not matter at all...why should they? Its like having a portfolio of stocks and rank the overall performance on the least performing stock? I definately can take the volatility....have done so some years ago with a 100% stoc...

Hi all, My first post :-) I am new to this forum and invested in the HBPP using ETF's since a couple of years back. I think I read this thread from start to finish about 3 times now....and I am hooked to say the least. Thank you for all your contributions and a special thanks to KBG! I am in my &quo...