1. Buy 30% mid-cap growth index funds,
2. 30% small cap growth index fund
3. 20% Real estate index funds (REIT)
4. about 20% emerging mark fuunds and/or other funds.
Hold the money in stock funds between Sept-May, move money to bond index funds in early May and move back to stock index funds in the end of August.
If you are lucky, You will 20% return a year!