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URL:  http://boards.fool.com/two-comments-amp-1-opinion-1-what-ever-approach-29313720.aspx

Subject:  Re: IRA Investment Choice Date:  5/22/2011  9:05 AM
Author:  TwoCybers Number:  69043 of 89499

Two Comments & 1 Opinion

#1 What ever approach you pick, stick with it. The market generally is up a whole lot since the March 20009 low. It will go down. Do not be like so many "experts" or fools who pulled their money out when the pain was high in late 2008 and early 2009. A lot of those people are still out and they will be very hard pressed over the next 15 or 20 years to recover the gains they missed since March 2009.

#2 No single sector of the investment world does well consistently. Bonds did great from say 1983 through 2010 - interest rates dropped over that time frame. Check out these Period Tables.
http://www.callan.com/research/periodic/

My Opinion - Your adding QQQ to VTSMX is doubling up on the Nasdaq 100. That may be a money making over the next 25 years - if I knew I would be giving Warren Buffet Advise. My personal feeling is the S&P 500 is a better bet. It does not include the vast majority of small companies. But very few of the small companies ever make it big time and even if you are smart enough to get the next Microsoft or Apple in your holdings, you will have a tiny part of your investment in that future behemoth. Finally the S&P500 does include most dividend paying companies.

Gordon
Atlanta
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