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< Then the convential wisdom that retirement funds should be 60% stocks, 30% bonds, 10% cash! Well I explored the bond market, T-Bonds, municipal bonds, REITs and the more I learned, the more I thought, why would I want to put my money away for 2,4,6,15 years only to get 5% back? I can get that in my money market fund and still have access to my money. >

Not sure where those numbers came from. You don't say old you are or how long you have until retirement. One convention is to subtract your age from 100% and put that money in stocks and the rest in bonds. If you have a long time until retirement (20+ years) then you may want to boost up the stock percentage. If your heart drops if the market goes down 15%, then put more money into bonds.

I have been using Datek for my online trades. All trades are $9.99 for any amount of shares up to 5000 and this price is good for market and limit orders. Most of the other online companies only make their special price available for market orders. Datek, however, doesn't support option trading.

Best of Luck

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