Good article Jose....
It's saying pretty much what I've been preaching here -- with one exception -- that we're talking about NEWBS and pretty low dollar amounts here -- or at least that's my perception.... so to follow the advice of bonds and stocks and all the other mixes discussed here is pretty hard to follow even if you had 100K. In a portfolio like I have -- I have all those mixes - munis - stocks - corporates - growth - risk - safety - international etc... but for the normal account - it's just not possible. And you also need to consider "TIME" i.e., your AGE now... younger can take more risk... old farts like me play it a bit safer.
What I did like to see here is that he was also preaching some "risk"/"growth" along with the safety and that's the other thing I've been trying to hammer down on.... all growth isn't' a good thing and it's that greed that comes home to roost in a downturn. In an up market people start thinking they're investing icons!
but if you temper your account with some balance - then you don't get killed.