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Strategies & Market Trends : A.I.M Users Group Bulletin Board -- Ignore unavailable to you. Want to Upgrade?

To: Gary who wrote (5157)	7/23/1998 8:43:00 AM
From: OldAIMGuy	Respond to of 18928

Hi Gary, Not a bad plan on asset allocation for the new additions to your retirement accounts! The IW's conservative enough to protect us from "irrational exuberance" and should help us nicely if the market ever does tank! As a general rule, AIM prefers you stick with Growth stock funds as opposed to Growth and Income types. They get more activity. Not that there aren't some great G&I funds, but that AIM will get bored with them. Many here have found Sector Funds of various types (and country funds) to have even more volatility than the Growth and Aggressive Growth types. Going the other way, I use for the "income" side of my portfolio, closed end long term Bond Funds. I also mange these with AIM, but work with modified SAFE values to keep them behaving properly. What I've managed to do is separate my portfolio into a Growth component and an Income component rather than own a G&I fund. I think I do better this way. Bernie Goldberg has recently followed this idea for his own portfolio and I believe is pleased so far. If you don't need the Income part of your retirement account for now, you can ignore it and just stick with the Growth side. Since I'm effectively retired, I have to think about income, even if I don't want to!! Best regards, Tom