Subject: Re: De-risk a bit?
many good options.
not #2, and not mkt cap indexes.

i suggest foreign funds by a good active manager.
but then again, one of my favorite conservative largecap GARP multi-asset managers says he only sees ~10% opportunities in foreign assets.

as a very early retiree, my only paranoia is personal healthcare expenses, as i see the topline totals for my parents who are on near-perfect state retirement healthcare plans.
the gop has destroyed many institutions , and sub-billionaire healthcare is certainly one of them.