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Joined: Dec 2007
Posts: 11,211
Campfire Outfitter
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Campfire Outfitter
Joined: Dec 2007
Posts: 11,211 |
Who the hell knows? I suggest investing a set amount each month into index funds. I believe the technical term for this is “dollar cost averaging”. It works for me, and I don’t have to fret about trying to time the market. It's what I do, that and try to maintain a 70% stock 30% bond mix so I don't get burned so bad when the bottom falls out. I’ve never been able to convince myself to buy bonds. I do have money in savings accounts and cds. I guess that’s a similar approach. Maybe a Total Index Bond Fund ? I don’t see the advantage over a cd. About a 3% return.
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Joined: Nov 2003
Posts: 28,411
Campfire Ranger
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OP
Campfire Ranger
Joined: Nov 2003
Posts: 28,411 |
Who the hell knows? I suggest investing a set amount each month into index funds. I believe the technical term for this is “dollar cost averaging”. It works for me, and I don’t have to fret about trying to time the market. It's what I do, that and try to maintain a 70% stock 30% bond mix so I don't get burned so bad when the bottom falls out. I’ve never been able to convince myself to buy bonds. I do have money in savings accounts and cds. I guess that’s a similar approach. Maybe a Total Index Bond Fund ? I don’t see the advantage over a cd. About a 3% return. Is that after Fund (s) expenses?
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