Cheat.

Work out an asset allocation model based on the literature from a number of funds - some conservative funds, some balanced funds, some growth funds. See what their asset allocations average out at.

Now you know what the professionals are doing.

Then think about what you feel comfortable with.

Then have a look any their reporting, and see what individual shares/bonds/funds/currencies they're invested in.

Now you're in a position to create your own personal fund - your own blend of conservative/balanced/growth.

Just a thought - good ideas are worth stealing.