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Author: TMFPixy Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75793  
Subject: Re: IRA : Funds or Stocks? Date: 2/15/1999 9:20 AM
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Greetings, Gary, and welcome. You initially wrote:

<<I have just finished reading both "You Have More Than You Think" and "Rule Breakers and Rule Makers" back to back and loved both of them. I am considering not going with TIAA-CREF but instead going with a discount broker and starting possibly a Foolish Four approach.>>

Zev aka Zgriner responded by saying:

<< You have to believe in what you invest in. If you believe the FF will outperform TIAA-CREF in the long-run, great, otherwise, stay with what you know.

BTW, you only gave the 3-year return. The 5 & 10 year return would have been more illustrative.>>


To which you said:

<< The funds were created in April of 94 so they haven't been together for all that long but since then the Growth fund annual average is 26.78% and cumulative is 203%. The Equity fund is 24.5% ann ave and cumulative is 178%. Its pretty good for put it in and basically forget about it. Their expense charges are .34% and .29% of total assets per year which I'm not sure how that compares with charges from other firms.
But I also believe in the foolish four approach as well and I was trying to find results over the past 5 years for that approach. I figure it must be here somewhere.??>>


IMHO the decision of how and in what to invest is a highly personal one. Zev's comment says it all: "You have to believe what you invest in." TIAA-CREF offers some very good funds. If you wish to "… put it in and basically forget about it…" and you believe those funds allow you to do that, then regardless of what you read on these boards or in any Foolish publications that's what you should do. OTOH, if you wish to actively manage your investments, then a Foolish approach may be appropriate. You have to make that decision. If you wish to compare returns, you may find those statistics in the Portfolios area of the Fool's School. When you open the main screen to TMF, just click on the word "Portfolios" under "Fool's School" that you'll see on the left margin of the screen. Then just select the portfolio you wish to learn about and browse. The data will be there.

Regards….Pixy
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