"If Moshe Milevsky gets his way, legions of Americans (and Canadians for that matter) will be adding not only the phrase "product allocation" to their lexicon but a new tactic to their retirement-income plan.

In his new book, "Are You a Stock or a Bond?," the York University professor details how investors should allocate their financial and human capital both in the saving-for-retirement (accumulation) phase and the living-in-retirement (or what some call the decumulation) phase."