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Old 01-30-2008, 11:23 AM   #21
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THanks Audreyh1 and Marquette for your medals of 'courage'.. but it's more fear of making a WORSE wrong move! Right now is the biggest drop I have experienced (no tech in 2000-2001 so I dodged that bullet) and I'm not as sang-froid as might be conveyed in the posts! But over the last few months it seems "out of the frying pan.." and?

I chalk it up to "if I do nothing I can blame myself less if it goes wrong". It's not very logical! On the bright side, I do have an expense ratio close to zero, though.

I wouldn't say CR pushing equities now that they are low is the same as all tech in '99. In the "Intelligent Asset Allocator" book there are back-tested graphs that show high equities, as audreyh1 says, win in the long term. I just hope to live "long-term" enough!!

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Old 01-30-2008, 01:43 PM   #22
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Originally Posted by ladelfina View Post
I chalk it up to "if I do nothing I can blame myself less if it goes wrong". It's not very logical!
Actually, I definitely see logic in that. In long term investing, doing nothing is often the wiser course.


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Old 01-30-2008, 04:38 PM   #23
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I like this site for giving a good overview/education on how to decide on your asset allocation: Investment Guide

It doesn't tell you what to do but gives you a good framework/basic background to help you decide for yourself.

simple girl
less stuff, more time

(48, married; DH 52. I am fully retired as of 2015 (well ok, I still work part-time but only because I love the job and have complete freedom to call off if I want to travel with hubby for work), DH will fully retire 2018 when he turns 55 to access 401K penalty-free)
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