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I am retired with a military pension and social security. I average from 70% to 95% of my IRA in ETFs and the remaining cash in the brokerage money market fund for distributions or purchase of stocks or ETFs. I have not been in any bonds since 1999. A majority of my IRA is currently in S&P 500 and NASDAQ ETFs with around 10% in small cap growth and 10% in mid cap growth ETFs. U.S. Army, Retired | |||
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Ignored facts still exist |
Well, to reduce volitility and risk. I was very happy with the cash part of my portfolio back in 2008, and we can't rule out another stock crash. The problem now is cash is making nearly nothing, which brings me to where I am now. So, I'm looking for some alternative that is mostly safe but making a little bit. Would you seriously go 100 percent stock for all life phases? . | |||
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Partial dichotomy |
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Lawyers, Guns and Money |
I bet LimaCharlie has done well with his strategy. "Some things are apparent. Where government moves in, community retreats, civil society disintegrates and our ability to control our own destiny atrophies. The result is: families under siege; war in the streets; unapologetic expropriation of property; the precipitous decline of the rule of law; the rapid rise of corruption; the loss of civility and the triumph of deceit. The result is a debased, debauched culture which finds moral depravity entertaining and virtue contemptible." -- Justice Janice Rogers Brown "The United States government is the largest criminal enterprise on earth." -rduckwor | |||
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Political Cynic |
a couple of things to remember how risk tolerant or risk averse are you? how long do you have before retirement? depending on the time you may decide to be a bit more aggressive with stocks in the short term before you migrate over to 'safer' stocks or bonds or whatever instrument you want there is a ton of information out there - but ultimately its up to you I was invested heavily in technology stocks at one point when I was in the semiconductor business, and was a member of several committees from various other fabs it was the only time in my investment career where I not only knew what we did, but to a certain extent I also knew what we knew in most cases, you may know what a company does, but seldom will you know what the leadership knows - and that can be the difference between a good investment and a bad one [B] Against ALL enemies, foreign and DOMESTIC | |||
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I believe in the principle of Due Process |
I can't say that I have, in real life. However, I have never had a bond in a portfolio I was responsible for. For most of my investing life, bonds have been considered safe, prudent, offering acceptable returns for little risk. I don't consider that true now, or for the last several years, as I described earlier in the thread. I've never been enamored of asset allocation, so much in this, so much in that. Too much forecasting in that. I try to find value, and most often that has meant out of favor. Luckily, I have enough willpower to control the driving ambition that rages within me. When you had the votes, we did things your way. Now, we have the votes and you will be doing things our way. This lesson in political reality from Lyndon B. Johnson "Some things are apparent. Where government moves in, community retreats, civil society disintegrates and our ability to control our own destiny atrophies. The result is: families under siege; war in the streets; unapologetic expropriation of property; the precipitous decline of the rule of law; the rapid rise of corruption; the loss of civility and the triumph of deceit. The result is a debased, debauched culture which finds moral depravity entertaining and virtue contemptible." - Justice Janice Rogers Brown | |||
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