RT Journal Article SR Electronic T1 Stocks, bonds, bills, and time diversification JF The Journal of Portfolio Management FD Institutional Investor Journals SP 7 OP 11 DO 10.3905/jpm.9.3.7 VO 9 IS 3 A1 William P. Lloyd A1 Naval K. Modani YR 1983 UL https://pm-research.com/content/9/3/7.abstract AB