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Old 09-13-2012, 10:24 PM   #21
Recycles dryer sheets
Join Date: Sep 2012
Posts: 97
I'm new to the forum but I don't think there is anything wrong with being conservative at your stage. I dumped all my equities a couple of years ago. I stepped out of them in stages and into bonds and cash. Love not having to watch the market and worry about it. I then took a couple of years to figure out a new plan which I then stepped into over the last year and am still stepping into. I won't post what I did here so as not to sideline your discussion. I guess I should do my own intro post but I can already tell it won't be popular from what I've read around the forum.

P.S. I recently met with a FA who suggested I get back into equities to fight inflation. His Monte Carlo simulation showed I'd mostly likely lose money for 7 years before starting to make some so I said no thanks. After watching things go way up and then drop a couple of times (dot com and 2008) I'm tired of the roller coaster. Slow and steady is my new speed.

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Old 09-14-2012, 09:48 AM   #22
Recycles dryer sheets
Col. Klink's Avatar
Join Date: Jul 2011
Posts: 56

Good luck on the move to AZ!

An adage that others have said many times in these forums... determine the AA that allows you to sleep at night. The Vanguard website allows you to look at historically at the largest gain and greatest loss in any year based on your AA between equities and bonds. Once you determine what your risk tolerance is then stick with the plan. Here is the link:

Good luck

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Old 09-20-2012, 06:37 PM   #23
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Join Date: Sep 2010
Location: midwestern city
Posts: 4,062
Welcome to the forum, Tyro.

Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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