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Well, if this is turning into dumb moves I have made, I would have to say than*most* of my funds have done OK and most of the stocks I traded did better than the S&P, and 5 out of 6 DRIP stocks have beat the S&P for the 5 years I have held them. But the one fund I needed soonest was the fund for my younger son's college costs. He is in high school now and I have been saving since he was 5. I picked a very nice tech fund, the only one I had. And for a while I looked very smart. Based on the approach of college I moved the money into a credit union account with only about a 30% loss. But this is the fund I need soonest and has performed the worst. I do have an IRA that only did OK but I have time for it to recover.
My lesson was to look more at when I need funds. I used to just look at the funds as one portfolio. I am still in the accumulation phase and maybe I have learned that there needs to be different planning in the withdrawal phase.
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“There are only two ways to live your life. One is as though nothing is a miracle. The
other is as though everything is a miracle.” - Albert Einstein
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