I got started last year.
I bought a retirement fund at $20 a share......................now it's at $10.80!
So needless to say so far I have not been too happy with stocks.
And up until last year I invested in fixed income things and thought I was making a big mistake!
Jim
I jumped in when I was in my early 30's (IIRC that's about where you are), and after a short time, I became a bit disillusioned by the performance of my mutual fund shares. So, in my infinite wisdom (not!), I bailed out. Had I known then, what I know now, I would have sat tight and let 'em ride......but I didn't!
Now, being 20 years older (wiser??) than I was back then, and still at least 10-12 years (minimum) from even thinking about using money from my mutual funds, I'm quite content to let 'em ride. I chose the retirement target funds that I have as long term investments. Had I been looking for something for a short term investment, or my risk tolerance was really, really low or non-existent, I would have dumped it all into CD's, MM's, or bonds. (I
do hold a rather small portion of my portfolio in those vehicles, but not as long term.)
Not knowing anyone's specific situation except my own, I can't and won't give any specific advice, other than to say if it were
me, I'd let 'er ride and keep DCA'ing in (or start DCA'ing in if I wasn't now). That's merely MHO.....YMMV.
goon