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Strategies & Market Trends : Retirement - Now what? -- Ignore unavailable to you. Want to Upgrade?

To: Dale Baker who wrote (10)	10/20/2004 3:38:17 PM
From: Ken Adams	Respond to of 288

Something I've done with a portion of my cash is a position in PTF fund. It fluctuates some, as the chart shows, but I don't worry much about that unless it starts to tank. The attraction is a monthly dividend greater than 1%. It works out to be around 13% annually. As long as price stays flat to up, I'll stay with this. There are other similar funds in this group, but I can't name them right off. stockcharts.com[l,a]daclyyay[db][pd20,2!c8!f][vc60][iut!Ug8!Lah12,26,9]&pref=G

To: Dale Baker who wrote (10)	10/20/2004 10:28:13 PM
From: Nazbuster	Read Replies (1) \| Respond to of 288

Good questions Dale. For me, the return needs to reflect the risk. I'd be happy with 8% with little or no risk, but that's because I need the $ associated with 8% of my investment capital. If I'm to take more risk, I want higher rewards. So it's all in the balance. I've never been fond of bonds because of the fixed income but exposure to bond-basis risk. With rates so low, the risk seems high and the rewards suck. The stock market is vulnerable in my opinion since 75% of our economy comes from consumer spending and much of that was prompted by tax cuts, refinances, and a sense of prosperity from housing appreciation built on low rates. I can't see how the spending levels can continue unless wages rise or productivity increases simultaneously with creating more jobs, a difficult combination. So I see trouble ahead for housing which will mean belt tightening. You have any suggestions on strategy?