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Strategies & Market Trends : Gorilla and King Portfolio Candidates -- Ignore unavailable to you. Want to Upgrade?

To: Jurgis Bekepuris who wrote (49707)	1/5/2002 6:56:44 PM
From: substancep	Read Replies (1) \| Respond to of 54805

Jurgis, A couple of points. 1) My time horizon until desired retirement is 14 years. 24 if I have to go the distance. :-( 2) To retire in 14 years with the quantity of money I think I will need then, I will need 11.35% annual return on the quantity of dollars I invest each month over the next 14 years. I have used the historical returns of the S&P 500 index as my planning tool to reach this goal. WRT mutual funds, I don't know who will be driving those funds over such a lengthy period of time so using the S&P 500 takes the guesswork out of that part of the equation. Also, I think market volatility should not be an issue over my pre-retirement investing time horizon because if I am dollar-cost-averaging the volatility should smooth out. So, I don't use the S&P 500 index because it is THE BEST. Rather, I use it because it's historical returns fit well with my retirement planning. I just hope this planning doesn't turn out to be analogous to having driven forward using the rear view mirror. I hope Buffett is wrong and the market returns the 11% I am looking for and not 6 or 7%. WRT Gorilla Gaming, I still am convinced the Gorilla Game is THE fundamental authority on how high tech industries work. It is actually rather easy to understand. Particularly so when one has a thread like this as a resource. Want to dive into something complex? Try biotech investing? Yeepers. I work in the field and still can't figure it out to any reasonable degree of confidence. Bryan@bettergetanotherjoborI'llneedmorethan11%.com

To: Jurgis Bekepuris who wrote (49707)	1/7/2002 9:34:12 PM
From: Steve Warkentin	Read Replies (1) \| Respond to of 54805

"I am not sure why people don't invest in the remaining 20%. It's not that difficult. ;-)" Are you serious? After taking in to account expenses,loads,taxes and the threat of managers shifting to better paying fund companies, how can you sleep knowing that your fund will possibly drift from that 20% tier? Most indexers don't invest so they can beat the active managers high expenses, but rather for the mere simplicity of the market return. It's a no-brainer IMHO.