inparadise writes,Stocks and bonds go up and down in value, but the money you lose to fees & expenses is gone forever.And the years he has done better for us is forever compounding in our account,</snip>Boy, I hear you on the compounding.This is my 20th year in retirement. I've always been very careful to limit my exposure to fixed income securities (currently 94% stock, 6% fixed income) and of course, I've never let a financial advisor anywhere near my money.After last year's run-up in the stock market, my withdrawal rate for 2014 has fallen below 1%. I guess you could say I'm living comfortably on the money I'm not paying a financial advisor.intercst
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