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|Subject: Re: IRA Direct Transfer - Questioning my Decisi||Date: 5/11/2013 3:26 PM|
|Author: Rayvt||Number: 72230 of 77293|
Can you give me an idea (%) what that investment mix would look like going into retirement, and after retirement?
I agree with Gene. Bonds right now are extremely risky.
If you are new at investing, you are in a precarious situation. You don't know what advice is good and what advice is horse-s**t. Unfortunately, most of the advice you'll read both online and in things like Money Magazine is 90% the latter.
If you do the "safe" thing and put 100-age or 50/50 in bonds, you'll be locked into 2% yield for the next 30 years.
I've been retired for 7 years now, and 90% of our portfolio is in equity(*) portfolios and 10% is in preferred stocks. Exactly 0% is in bonds on purpose.
But good preferreds are hard to find now, so as my good ones are getting called most of that money stays in cash.
(*): All my equity portfolios have some kind of filter that shifts the investment to short-term bonds/fixed-income at the appropriate times. See the papers by Faber & Antonacci.
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