Whether it's for a lifetime, 1 month, or 10 years - I personally feel that if I've "won the game" - why risk.

Winning the game would be defined by people differently whether it's me, the local brain surgeon, the janitor from the school, or Bill Gates.

If my 10-years-from-today stash is enough to meet my expenses - I'd take no risk or at best moderate risk with funds I don't need for 6-7 years. If the home-state is MD I'd be possibly saving 5%+ in state income tax on Treasuries.

My first 6 years money would be laddered into Money Markets, 2 years and under treasuries, Cds. This way, regardless of a black swan (and my goodness there's 50 of those brewing)....I know how much I have, and I know I can live as I please.

The year 7-10 money? The riskiest I'd get is some PFF. Perhaps some XLU with hopes of a 3% div + 5-7% earnings growth perhaps beating my Treasury and CD rates.

The kinkiest I'd get - higher yielding corporates - personally I have some General Motors and Nordstrom corporates, yielding from 6.4% - 7.1%. I'm betting on one, despite not being 'cool'- is wildly profitable. And the latter - where a family holds 30% of their company and if other retails like Macy can be turned around, perhaps Nordstrom will make it too.

I respect Bogle and 60/40-ism. But again, why would I risk 60% of my money - when I really don't need it.

Congratulations on your success.