Retirement - Now what? Message Board

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Strategies & Market Trends : Retirement - Now what?

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To: Nazbuster who wrote (63)	11/10/2004 11:27:19 AM
From: OldAIMGuy	of 288

Hi MR, Thanks for that link. Nicely constructed for checking various time periods. At first I worried about the thinly traded issues also. However, since I've chosen these sectors with 5 to 10 years in mind, it's not as though I'll be needing to do much very quickly. When I do make adjustments, they're usually only 5% of the position. That makes even the thinly traded issues plenty liquid for me. Eventually I'll add some foreign exposure and possibly a REIT ETF to the mix. My overall goal is capital preservation with mild growth. The bond funds are there to provide fresh cash for future buys of the foreign and REIT ETFs. Since I'm retired, I can't fund the IRA directly, so it needs to self-generate its own "new" funds. It became painfully apparent the difference between a loss in a retirement account VS a taxable account years ago. In a taxable account at least we can use the loss to offset capital gains for tax purposes. Inside an IRA, however, a loss is just a loss. This is why I've put cap. preservation at the top of the list of priorities. Best regards, Tom

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