We generally advocate a 3 or 4 bucket diversified portfolio. This "8% Income Portfolio" represents only one of the buckets in our overall investment strategy. This portfolio takes most of the risk while providing most of the income in our otherwise conservative strategy. Also, this is one of the two portfolios that do NOT employ an explicit downside protection mechanism. However, we have two indirect forms of downside protection; first, we maintain a 10-15% cash position. Secondly, the portfolio generates a high level of income on a monthly basis, which should help to stay calm