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It seems to me that retirement should be a much simpler, less complicated life than I see portrayed here. Something must be wrong with our system. Any thoughts??

I'm glad you asked!

Keep in mind that most posters have time on their hands and might very well be over re-allocating their portfolios. On the Index board many of the posters are advocating the "KISS" -Keep if simple stupid approach to retirement investing. Two or three funds will do.

One does not need to be overly involved in daily and weekly portfolio analysis. Pick you allocation and let it ride. If you want a bond or cd ladder, get it set up and then let it ride. Most bonds and cd's can be rolled over into new instruments automatically.

If you want your portfolio on automatic pilot, go with Index Funds and bond funds, then sit back sip lemonaide and enjoy life. That's the route I have chosen and it's a great life.

Happy trails...rclyde
(Disclosure: I hold some individual stocks, index funds, bond funds and activily managed funds, in both taxable and non-taxable accounts. I've been retired 6 months.)
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