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

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