Asset allocation - Diversification

Here's Kritzman's optimal portfolio for individuals today: 20 percent U.S. stocks, 15 percent international stocks; 20 percent money markets; 8 percent commodities; 4 percent U.S. real estate investment trusts; 2 percent international REITs; 6 percent long-term Treasury bonds; 5 percent intermediate Treasurys; 5 percent TIPs; 5 percent corporate bonds; and 10 percent international bonds. His wrap-up advice: Buy these markets with index funds.