Always remember that risk equals rewards. In today's markets to make 10% you would have to take a LOT of risk. I personally would look for a more reasonable return with a lower risk.
I am up 7% YTD with a fairly low risk portfolio and will be satisfied if it hangs in there or even a small decline by year end. My target objective in today's market is 5% so am doing better then target right now. I sit with an AA of age minus 15 (because of interest rate risk in bonds) and am almost entirely in low ER index funds with a small cap tilt.
Only non index funds I own are Vanguard Wellington and Wellesley and they would be in index funds except I have a tax issue if I sell them. And so far this year keeping them was a good decision.
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Life is to short to drink cheap wine.
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