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Politics : Formerly About Advanced Micro Devices

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To: bentway who wrote (329015)	3/15/2007 4:43:29 PM
From: RetiredNow	Read Replies (1) of 1575369

Hmm. I wish I could be younger still. :) Actually, I'm about 5 years from retirement and my investments are very conservative (I have a lot of bonds and cash and very little international). However, I don't have 100% treasuries and I do still own a decent amount of stock funds. Why? Because I was educated at the graduate level on portfolio theory and investment management and I know that to invest my retirement money solely in Treasuries would be the height of folly. The best thing you can do for your investments is to understand exactly when you need to use your money. Then you ladder your investment risk to match the time horizon of the use of those funds. For example: * money you will need within the next 5 years should be in cash and bonds * money you need 10 years from now, should be 60% or so in stocks and 40% or so in bonds * money you need 20 or more years from now should be 80%+ in stocks with a good exposure to small caps and internationals and the rest in mostly bonds The above percentages are subject to personal preferences, but they are decent rules of thumb. If you are currently retired, that means your overall portfolio should look something like 1/3 money market funds and CDs, 1/3 bonds with a good mix between short and long term bonds, and 1/3 stocks. If anyone is trying to sell you the bridge of put all your money in Treasuries, then they aren't worth their salt. I want to make sure we help people with all the latest best practices around investing, not the thoughts of folks 50+ years ago who thought smart retirement investing was putting all your money in Treasuries. If you really want to help people, then help them earn money on their money, don't convince them to put it under a mattress. Investing in Treasuries for 40 years is tantamount to putting it under your mattress. The inherent overall risk is unconscionable. As far as dumbass wars, we're agreed completely.

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