"In the tax differed accounts I aim for a more systematic approach--find a good allocation and let it build"   "I have been taken with the idea of growing the stream of income. This pot is a major one for retirement purposes" (Your words not mine.)

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The 'Target Maturity'..... I would pass on. Target Maturity Funds unfortunately are not really designed to give the 'gifts' they promise. AFs was kind of forced into offering them if they wanted to maintain their position in the 401K marketplace.

'Bernstein'?

Here's a book you might consider reading:

'The Single Best Investment' by Lowell Miller. This is his site where you can find all kinds of interesting articles, plus several free chapters of his book:

http://www.mhinvest.com/

I would go 100% Caibx with this money.

t