enid602
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Sun Apr-17-05 12:31 PM
Response to Reply #13 |
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That's why most financial experts suggest that your retirement portfolio should shift more toward bond mutual funds and CD's as you age. Stocks pay off over the long term, whereas bonds and CD's grow only gradually, and are much less risky. As I 50 year old, I currently have 60% in bond mutual funds, 30% in stock mutual funds, and 10% in CD's, which is about what is recommended. Under no circumstances would I invest in individual stocks, which I see as way to risky.
Since *'s 2nd term began, I've been worried about the dollar, and have transfered 40% of my holdings (being careful to maintain the same bond/equity/CD ratio) to international (90% European, Japanese, Canadian, Australian and 10% Latin American) holdings. Although rare, these funds are available for sale here in the US, so you don't have to withdraw from your IRA and incur penalties and additional taxes.
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| -I don't really understand Wall Street. If the Dow and Nasdaq continue |
Maddy McCall |
Apr-17-05 09:16 AM |
#0 |
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No problem for banks and credit card companies.... |
kentuck |
Apr-17-05 09:19 AM |
#1 |
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No run on the banks, but people may start withdrawing their IRAs |
blondeatlast |
Apr-17-05 09:20 AM |
#2 |
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What do you mean by "middle and working classes", bal? |
TOJ |
Apr-17-05 09:34 AM |
#3 |
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Our combined income is less than 100K and we live in a relatively |
blondeatlast |
Apr-17-05 01:00 PM |
#18 |
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Small "investors" are those who eat the crumbs on the equity table. |
TahitiNut |
Apr-17-05 10:02 AM |
#9 |
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I just started considering that last week |
democracyindanger |
Apr-18-05 06:04 PM |
#89 |
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The stock market gives companies a chance to borrow money. |
Massacure |
Apr-17-05 09:38 AM |
#4 |
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Please, let's not confuse the bond market with the stock market. |
TahitiNut |
Apr-17-05 09:53 AM |
#8 |
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Although, there is a credit knock on effect |
sweetheart |
Apr-18-05 09:45 AM |
#72 |
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Under one viewpoint, it can be regarded as good for labor. |
TahitiNut |
Apr-17-05 09:46 AM |
#5 |
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Wow. Isn't that like indentured servitude, or something? |
Cats Against Frist |
Apr-18-05 06:01 PM |
#88 |
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Yep. But those shops are usually owner-operated. |
TahitiNut |
Apr-18-05 06:17 PM |
#90 |
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I don't own stock but I know several people who |
Mend |
Apr-17-05 09:48 AM |
#6 |
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they had their money with Morgan Stanley.....eom |
Mend |
Apr-17-05 04:06 PM |
#43 |
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This sounds dubious |
theboss |
Apr-18-05 09:02 AM |
#68 |
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the vet and the mechanic were not the couple.... |
Mend |
Apr-18-05 05:41 PM |
#87 |
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I'm kind of a financial moran too. |
MindPilot |
Apr-17-05 09:53 AM |
#7 |
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I know someone who believes in the myth that more shares are what counts |
NNN0LHI |
Apr-17-05 10:19 AM |
#11 |
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He's absolutely right.... |
MsTryska |
Apr-17-05 11:43 AM |
#12 |
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Except he is way past when he wanted to retire now |
NNN0LHI |
Apr-17-05 11:52 AM |
#13 |
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No it's not.... |
MsTryska |
Apr-17-05 12:04 PM |
#14 |
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And how many others should not be in the market right now...but are? |
NNN0LHI |
Apr-17-05 12:20 PM |
#15 |
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I tried yesterday |
sandnsea |
Apr-17-05 01:06 PM |
#19 |
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you're missing the point. |
MsTryska |
Apr-17-05 03:07 PM |
#23 |
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Contradictory, isn't it? |
sandnsea |
Apr-17-05 03:22 PM |
#29 |
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I'm not sure.... |
MsTryska |
Apr-17-05 03:35 PM |
#33 |
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Good luck to you |
sandnsea |
Apr-17-05 03:38 PM |
#34 |
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you seem intent on giving me a lecture. |
MsTryska |
Apr-17-05 03:42 PM |
#36 |
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You're flying high |
sandnsea |
Apr-17-05 03:53 PM |
#40 |
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I'm far more humble than you |
MsTryska |
Apr-17-05 04:03 PM |
#42 |
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It's true |
sandnsea |
Apr-17-05 04:28 PM |
#48 |
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Then let's praise the getting up and out to sow again.... |
MsTryska |
Apr-17-05 04:32 PM |
#49 |
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You're doing the dumping |
sandnsea |
Apr-17-05 04:38 PM |
#52 |
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stupidity and irresponsibility account for a lot of |
MsTryska |
Apr-17-05 05:29 PM |
#53 |
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That is just unbelievable |
sandnsea |
Apr-17-05 06:26 PM |
#59 |
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Thank you for getting to the bottom of this story |
NNN0LHI |
Apr-18-05 07:00 AM |
#65 |
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Deleted message |
Name removed |
Apr-18-05 08:58 AM |
#67 |
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I'm the one sitting in judgement? |
MsTryska |
Apr-18-05 08:57 AM |
#66 |
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Your words: "I'm like a boy scout - always prepared." |
NNN0LHI |
Apr-18-05 09:24 AM |
#70 |
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I "AM" prepared. |
MsTryska |
Apr-18-05 09:30 AM |
#71 |
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You come here talking shit like you are Warren Buffett or something |
NNN0LHI |
Apr-18-05 10:56 AM |
#74 |
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Actually you have no idea |
MsTryska |
Apr-18-05 11:12 AM |
#75 |
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Oh get over yourself |
sandnsea |
Apr-18-05 11:50 AM |
#76 |
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then you have been listening to anything i've had to say. |
MsTryska |
Apr-18-05 11:56 AM |
#77 |
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Still, contradictory |
sandnsea |
Apr-18-05 01:22 PM |
#78 |
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Point by Point.... |
MsTryska |
Apr-18-05 01:46 PM |
#79 |
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But YOU are supposed to get empathy |
sandnsea |
Apr-18-05 02:33 PM |
#80 |
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I have empathy. |
MsTryska |
Apr-18-05 02:49 PM |
#81 |
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As often as not |
sandnsea |
Apr-18-05 03:10 PM |
#82 |
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thanks for the intended ad hominem attack.... |
MsTryska |
Apr-18-05 03:42 PM |
#83 |
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No |
sandnsea |
Apr-18-05 04:05 PM |
#84 |
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I dunno... |
sendero |
Apr-17-05 06:34 PM |
#62 |
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I have TIAA/CREF |
oneighty |
Apr-17-05 05:52 PM |
#55 |
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what a load : there is a whole generation that have lost big |
natrat |
Apr-17-05 08:07 PM |
#64 |
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define "winning" and "losing" |
MsTryska |
Apr-18-05 09:06 AM |
#69 |
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I am constantly amazed |
northzax |
Apr-17-05 03:50 PM |
#39 |
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No problem with that |
sandnsea |
Apr-17-05 04:01 PM |
#41 |
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I know i never said that there aren't risks and that people don't get |
MsTryska |
Apr-17-05 04:08 PM |
#44 |
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You said |
sandnsea |
Apr-17-05 04:18 PM |
#45 |
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yes. |
MsTryska |
Apr-17-05 04:22 PM |
#46 |
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You missed the rest |
sandnsea |
Apr-17-05 04:35 PM |
#51 |
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It is their fault tho..... |
MsTryska |
Apr-17-05 05:33 PM |
#54 |
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See #59 |
sandnsea |
Apr-17-05 06:26 PM |
#60 |
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And Bu$h wants to put SS in the stock market??? |
Jose Diablo |
Apr-17-05 03:17 PM |
#27 |
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not likely. |
MsTryska |
Apr-17-05 03:03 PM |
#21 |
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One unfortunate accident and you could be retired tomorrow |
NNN0LHI |
Apr-17-05 03:06 PM |
#22 |
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Then my disability insurance kicks in. |
MsTryska |
Apr-17-05 03:10 PM |
#24 |
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How long does your disability keep paying you not to work? |
NNN0LHI |
Apr-17-05 03:28 PM |
#31 |
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Disability insurance stops paying when |
MsTryska |
Apr-17-05 03:39 PM |
#35 |
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You are very fortunate |
NNN0LHI |
Apr-17-05 04:27 PM |
#47 |
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Thanks. Yeah....that's the one thing about disability |
MsTryska |
Apr-17-05 04:34 PM |
#50 |
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It's not a matter of who's in office |
Yupster |
Apr-17-05 03:24 PM |
#30 |
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Finally, an intelligent post! |
Zynx |
Apr-17-05 03:45 PM |
#37 |
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Thank you! |
MsTryska |
Apr-17-05 03:45 PM |
#38 |
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A million dollars?Everyone's talking about money I don't even dream of. |
Donailin |
Apr-18-05 04:36 PM |
#86 |
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risk management |
enid602 |
Apr-17-05 12:31 PM |
#16 |
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How has the Foreign Bond market been woking for you? |
MsTryska |
Apr-17-05 03:13 PM |
#25 |
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foreign bonds |
enid602 |
Apr-17-05 05:58 PM |
#56 |
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Sure, they WILL go up.. |
sendero |
Apr-17-05 06:28 PM |
#61 |
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I have money |
Tux |
Apr-17-05 10:09 AM |
#10 |
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What interest rates are you getting? |
MsTryska |
Apr-17-05 03:18 PM |
#28 |
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CD's |
enid602 |
Apr-17-05 06:09 PM |
#57 |
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Stocks are more important for what they represent |
K-W |
Apr-17-05 12:41 PM |
#17 |
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This is when you start to hear "The President doesn't control the market" |
ComerPerro |
Apr-17-05 01:09 PM |
#20 |
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He sure kept it jacked up by promising all that Soc Sec $$$ though-- |
elehhhhna |
Apr-17-05 07:51 PM |
#63 |
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I don't know what will happen, but I like to think on the bright side |
neebob |
Apr-17-05 03:13 PM |
#26 |
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The first place the stock drops are noticed is in places like restaurants |
Yupster |
Apr-17-05 03:32 PM |
#32 |
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capital gains |
enid602 |
Apr-17-05 06:18 PM |
#58 |
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Just separating more Boomers from their retirement nest eggs... |
Junkdrawer |
Apr-18-05 09:50 AM |
#73 |
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Just so you know |
Zerex71 |
Apr-18-05 04:32 PM |
#85 |
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