U.S. investors aged 60–70 need asset allocation with a balance among income requirements, capital protection, inflation hedging, and longevity risk. This paper employs past market summary statistics (2000–2024) on large-cap equities (S&P 500 total return), the Bloomberg U.S. Aggregate Bond Index (total return), and short-term Treasury bills to assess three generic allocations (30/70, 50/50, 70/30 equity/bond) for decumulating retirees. From historically-based mean-return and volatility inputs and a straightforward mean-variance style calculation, I compute sample annualized returns, standard deviations, and consider sequence-of-returns and withdrawal consequences. Calculations indicate that balanced mixes (≈50% equities) historically provided the best risk-adjusted tradeoff over 2000–2024, while very conservative blends traded off real return and added longevity/inflation risk. The report concludes with real-world advice — a dynamic diversified strategy with partial guaranteed income for most retirees aged 60–70.