With all the focus on stocks it's a little known secret [that is not talked about in the media] that long term treasury bonds (i.e. TLT) are actually beating the stock market indices (i.e. VTI) in 2014.

So don't try to beat the market and be equally allocated (25% target with 35/15% re-balancing triggers) among a total stock market index (for prosperity), long term treasury bonds (for deflation), gold bullion (for inflation) and cash (for recessions, emergency fund, income etc).

Simple to implement with VTI, TLT, IAU and SHV ETFs.