individual portfolio is subjective,...it has to suit individual likings....
cannot have one to suit all....time, risk appetite and purpose of investing in UT do play some important parts in portfolio formation....
also cannot have one that can be set FIXED for 10~20 years....it has to periodically rebalanced.
if you want to see some portfolio in under trackings....(less than 10 years old)
goto FSM website...click research/recommended portfolio to see it...it has details of the selected portfolio.

some article for from FSM on this subject.....there are more (at times better) on the web.

Our Portfolio Construction Process [Look Forward to Our Revamped Portfolio!]...... July 9, 2014
In this article, we will be highlighting the rationales behind our actions of revamping the recommended portfolios, the portfolio construction process and the changes that we had made in this revamped version.
http://www.fundsupermart.com.my/main/resea...?articleNo=4787

Basic Steps To Construct An Investment Portfolio.... November 4, 2011
Many have embarked on the endless pursuit for the perfect portfolio; we offer some of our own portfolio construction guidelines 
http://www.fundsupermart.com.my/main/resea...?articleNo=1753

Enhance Your Portfolio Returns Like A Pro..... March 30, 2012
In this Idea of the Week, we relook at a very important investment concept – the core and supplementary portfolio.
http://www.fundsupermart.com.my/main/resea...?articleNo=2193

3 Ways To Mitigate Your Portfolio From Market Disasters... November 9, 2012
While Sandy did not leave NYC in tatters, financial disasters can certainly leave an investor’s portfolio in ruin and drowning in losses if one is unprepared. Investors should always be prepared for unforeseen events and not leave it to the last minute to build up their portfolio’s resilience.
http://www.fundsupermart.com.my/main/resea...?articleNo=2902

Aberdeen: Benchmarks Are Measuring Devices Not Portfolio Construction Tools....... April 9, 2014
This article expands upon the second of Hugh Young’s 10 Golden Rules, which was first published in booklet form in August 2012.
http://www.fundsupermart.com.my/main/resea...?articleNo=4514

How To Use Correlation To Build Portfolios - Part 4/4.... September 11, 2014
The aim of this article is to extend on The Mathematics of Diversification and prove the benefits of portfolio diversification using real historical data.
http://www.fundsupermart.com.my/main/resea...?articleNo=5000

Maximise Returns while Minimising Risk with a Core and Supplementary Portfolio
http://www.fundsupermart.com.my/main/resea...pl?articleNo=59

6 Steps to Fixing Your Portfolio amidst a Market Crash December 10, 2008
Investors who suffered serious losses in their portfolios should not be panicking now. Instead, it may be a good time to re-look your portfolios and do a bit of doctoring
http://www.fundsupermart.com.my/main/resea...l?articleNo=147

As The Year Comes To A Close, Consider Rebalancing ......December 17, 2010
The rebalancing method has shown that over a long period of time (our back test is over 40 years), a portfolio that used the rebalancing method has outperformed passive buy and hold methods by a quite a large margin. Did it outperform in 2010?
http://www.fundsupermart.com.my/main/resea...l?articleNo=842

5 Tips to Rebalance Like a Pro....December 9, 2011
With the year drawing to a close soon, it is time to dig up your “dusty” portfolio, review its performance and rebalance for a brand new year. This year, let us give you a helping hand by offering some useful practical tips.
http://www.fundsupermart.com.my/main/resea...?articleNo=1849

Mythbusting: Frequent Rebalancing Improves Portfolio Returns...... April 28, 2010
You might have heard this one before: Frequent rebalancing to simultaneously lock in profits and dollar cost average into lower priced assets will provide better returns. We examined the myth and here's what we found. 
http://www.fundsupermart.com.my/main/resea...l?articleNo=566

IF you have NOT started......(here is the advise from Sui Jau's Blog (FSM S'pore))
The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount. Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash. The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher.

portfolio of 10~20 years in UT???

Do You Know How Much You Might Be Losing In Fees?
....as an investor, it also pays to know if the odds are on your side in making a good-bet for a good-performing unit trust or fund (hint: it’s poor!). Those expenses are deadly – keep a close eye on them!
http://www.fool.sg/2013/07/18/do-you-know-...losing-in-fees/
click "refresh" when prompted to log in.

wish someone had showed me all these before I started....