Age is mid 40s. Investment goal is to grow capital as much as possible with medium to high risk tolerance.


People never have the risk tolerance they think they have. I good test or thought experiment, go to a casino and gamble with more money than you can afford to lose. Say 3 to 6 months of paychecks/living expenses. Make you break out in a cold sweat just thinking about it?

What do you think can happen in the stock market? You'd hate to be a year away from retirement, or two or three, and have 2008 happen all over again.

At mid 40s, you need to be hitting singles and doubles. Forget about homers and grand slams.

JLC