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Author: Rayvt Big gold star, 5000 posts Top Favorite Fools Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 78667  
Subject: Re: Professionally Managed versus Self Directed Date: 12/13/2011 9:39 PM
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He follows a conservative approach built around Fixed Index Annuities and Managed Equity Funds.

No, he follows an approach more accurately called "load up my clients with crapppy things that will pay me a big commission".

Having written all of this it would seem that I should just follow my instincts.
Maintaining a 60% balance of Bond funds and equivalents and 40% mixed equities.

Your instincts are fine as far as the "run away from this bozo" part.

But backwards for the balance part. It should rather be 60% equities and 40% bonds. Unless you think that inflation will stay near zero for the next 30 years.

Here's a couple of links to start your learning curve.
FundAdvice.com: "The ultimate buy-and-hold strategy"

Guyton/Klinger Decision Rules.
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