So what's wrong with 500k in a sheltered 4+% money market?

[scrinch]

Quote:

Originally Posted by mathjak107 you wanted no risk and practically are assured you will have one

Risk and loss are two different things. You're saying that he is almost guaranteed a loss, not a risk. He may want to limit the risk level and is willing to take a small loss to avoid the chance of a big one. Risk is uncertainty in outcome...loss is decrease in principal (either nominal or real...however an individual chooses to look at it).

[mathjak107]

well the farther in time you go out with stocks and other mixed assets the smoother the return. like i always say i couldnt pull very many 15 year periods where the returns werent within 1% of each other . the returns always migrated towards the same 12-13% a year. thats almost guaranteed . of course the past dosnt mean it will continue but heck id take my chances getting 1/2 that before id chance a cd long term

[Bikerdude]

Quote:

Originally Posted by windsurf Ouch. Guilty.

Don't get me wrong I have no problem with a balanced portfolio. I have one myself. Each person has to deal with their own level of risk and how well they want to sleep. If you take on more risk than you can handle that sets you up to sell at a bad time (low). I was just trying to point out that you have other options for the fixed portion of a balanced portfolio. Good luck! And keep your left up.