[7402]

1/3 in a domestic (U.S.) index fund, 1/3 in an international index fund, 1/3 in CDs, money market funds, savings bonds, or T-notes. Rebalance once a year. Spend no additional time thinking about any of this.

[ffumarola]

This advice should be adjusted given your age / risk tolerance. 1/3 in cash equivalents is a bit conservative for a 20 or 30 something, for example.