PT - JOURNAL ARTICLE AU - William P. Lloyd AU - Naval K. Modani TI - Stocks, bonds, bills, and time diversification AID - 10.3905/jpm.9.3.7 DP - 1983 Apr 30 TA - The Journal of Portfolio Management PG - 7--11 VI - 9 IP - 3 4099 - https://pm-research.com/content/9/3/7.short 4100 - https://pm-research.com/content/9/3/7.full