D:One interesting idea would be something called the Permanent Portfolio. While not timing the market, it understands the idea that markets do change. The basic premise is to invest 25% in Treasury Bonds, 25% in Treasury Bills, 25% in leveraged stocks, and 25% in gold. The idea is that no matter which direction the market is trending, one of these investment classes will do well enough to carry the rest of the portfolio.There's a mutual fund that follows this strategy, although they do vary it a bit. The ticker is PRPFX. It's not a fund for those looking for a tremendous return, but rather is designed for steady growth. It has, however, been known to go up dramatically in certain economic conditions. Most recently it has gone up quite a bit due to the increasing value of gold. It protects itself by rebalancing the portfolio periodically to avoid being overcommitted in any one investment class.Based on my original discussion with her, that may have been a good choice. However, now that I ran the numbers, she needs to do more them maintain her investment. She needs to fight the fact that her expenses rise faster then her income and without a higher growth rate in savings, she will run out of money.Splotto
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