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Pixy,

I thought I'd add one more alternative. The use of Convertibles that provide income and Equity exposure in one instrument. I haven't read all your articles, but would you care to comment on the use of converts in the retirement portfolio ?

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Buy2win asks:

<<The use of Convertibles that provide income and Equity exposure in one instrument. I haven't read all your articles, but would you care to comment on the use of converts in the retirement portfolio ?>>

I have no objection to them save I think greater equity appreciation is found in common stock. They can work, I just don't favor them myself for the reasons I stated in the column.

Regards..Pixy
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