Quote:
Originally Posted by retiredguy123
I agree that you shouldn't have 100 percent of your investments in the stock market. But you can have 40 percent in an S&P stock index fund, 40 percent in a bond index fund, and 20 percent in a money market fund. And never buy an individual stock or bond or ever pay an advisor an AUM fee. You will do just fine and probably better than paying an advisor.
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We all have our own tolerance for risk. For me it is higher than most.
A lot of it depends upon the total value of your assets. If higher you can accept more risk.
It is what it is but am constantly amazed that an actively managed mutual fund cannot beat out an index fund.