hopefully a viable idea for a mutual or retirement fund

Hopefully a viable idea for a mutual or retirement fund

with so many different ways that people have of trying to make money or save for retirement I wonder if anyone is doing or has tried doing the following

· open up a type of mutual fund or retirement fund and split the money between stocks and bonds at a ratio that would work best for the individual or group.

· All of the money earned in the bond market stays in bonds; a specified percentage of the money earned in stocks gets reinvested into bonds and the rest of the money gets reinvested back into stocks. Or all of the money earned getting pooled together and then the money getting distributed based on the same ratio as the vested money in the fund.

· The types of stocks that should be invested in should pay a dividend, should have a good track record of keeping their values and have a tendency of splitting after reaching a certain price range, and the bonds should have a consistant rate of return regardless of how the economy or interests rates are doing.