I voted "Other" for several reasons:1) I believe one needs to save as much as possible to have something to invest. Many today are not doing this, so they are doomed to failure. 2) I don't have the time to perform due dilligence to invest in individual stocks - family and job take precedence. I am also limited to investing in mutual funds by my 401k. So I have spent the last 5-10 years trying to understand:a) Asset allocationb) Macro economics in the world todayc) globalization and future implications3) Taking Taleb's Fooled By Randomness to heart, there is always the possibility of the black swan appearing. My goal is to have enough to live comfortably on in retirement. Beating an index doesn't enter in, but minimizing risk does.4) Never become desperate for yield. This can blind one to taking on risks one shouldn't assume.5) Keep track of what works and what doesn't. Efficient Market Theory, index funds, hedge funds and any other latest and greatest will work for a while. About the time you hear about them, they have changed market behavior and will stop working. Kind of a financial Heisenberg Uncertainty Principle<G> 6) Always read the fund reports and Morningstar evaluations for direction changes. Asset allocation via funds is only as useful as the actual investment choices fund managers make.Our current asset allocation is about 50/50 for stock funds and bonds. (We mostly use funds, but we do buy some individual bonds.) This is further divided by about a 50/50 split between US and international investments, with current emphasis on the Asia-Pac region. Mom
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