Find a suitable ETF that tracks the S&P 500 index. This ETF should be low cost
with fees less than .5% a year. Go with whatever your investment broker offers
with free transactions.
Find a real estate investment trust(REIT) ETF that will give you the lowest
yearly fee and follows the REIT Index. Keep in mind transaction fees and focus
on ETF's that are offered through your financial broker.
Invest in a low beta Utilities ETF that will help diversify your portfolio.
Always focus on keeping fees and transaction costs low.
Government Bonds ETF
Invest in a ETF that has a diversified portfolio of short and long-term
Government Bonds. Preferably invested in US Government but stronger Eurozone
countries work also.
Corporate Bond Long Term Bonds
Invest in a ETF that has a diversified portfolio of Long Term Corporate Bonds
that have a majority invested in large blue chip companies.
Intermediate Term Corporate Bonds
Invest in Intermediate Bond ETF that follows mid-cap companies and has low fees
and transaction costs.