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Hello.

I recommend a "core" portfolio for about 80 to 95% of your funds and an "explore" portfolio made of stocks from my newsletter "explore portfolio" for the remainder. My newsletter stocks are volatile by design to add to overall returns, but you need a good core portfolio to sleep well at night. I offer several different core portfolios for both aggressive & conservative investors.

If you are not interested in individual stocks, then just follow one of my two core portfolios for 100% of your investment assets. One portfolio is for "conservative" investors and the other is for "Aggressive" investors. They use the same funds, but with different percentages so you can easily move from aggressive to conservative as you age or have success and want to lock in nice gains to retire early.

I believe pages 1 through 10 of my monthly investment letter offer more value than many "mutual fund" newsletters costing much more. If you are not interested in individual stocks or securities, then simply follow one of the core portfolios I recommend on page two, use the "Fixed Income and Interest Rates" update on page eight to help manage your cash, then consider pages 11 through 29 about individual securities as "entertainment."

I do very few changes to the core portfolios with an average of only once a year. Now is one of those times where I'm waiting for the Fed to raise rates before I buy any bond funds other than those indexed to inflation and discussed in more detail on page eight.

For more conservative investors who have no interest in individual stocks, I co-edit "The Retirement Advisor" where our most aggressive model portfolio is slightly less aggressive then the "core conservative portfolio" in Kirk Lindstrom's Investment Letter." For more explanation, see " My Portfolios at All Time Highs as we Enter 2011" and "Kirk's Two Investment Letters."