Msg. 59645 of 65535 (This msg. is a reply to
59643 by
oldCADuser)
Jump:
ocu
...I retired at 57. Between taxes and the expsnese associated with going to work, I discovered that I could live as well without working as I could by working. Found no reason to put up with the horse poop anymore.
Liberals are like a "Slinky". Totally useless, but somehow ya can't help but smile when you see one tumble down a flight of stairs!
I'm 66 years old so putting a portion of your assets where they're protected from another crash only makes sense. Ask any financial planner about 'hedging' as you get close to retirement age. But to make you happy, ALL of my new investments are going into equities as I've managed to put aside my 'emergency' fund, which has been accumulated over the past 8 or 9 years by skimming profits from funds which have seen large and rapid run-ups. And while that money market fund might be close to 40% of my 401k, it's only represents 15% of my overall net worth. So when you look at it in that light, and considering that the rest of my 401k, as well as my wife's smaller self-directed investment fund, is spread across several different types of financial vehicles, including large-cap, small-cap, international growth, index funds, etc, and yes, even some bond funds, I would say that I'm pretty much doing exactly what someone at 'Vanguard' has already advised you to do. BTW, how's your portfolio doing at the moment? Are you confident that you'll be able to retire when you're ready to do so? My confidence level is high, but then it's taken me 35+ years of consistent and disciplined investing as well as avoiding extravagances in our life style, to get to that point.
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