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After allowing a broker to lose 55% of my savings, I now have 105K left and have moved it into Cash trading accounts. One part is a Roth.

Anyway, I signed up for rhe RYR service. Although there are tons of links and a lot to read about, including some info on asset class allocations, at the end of the day, I still have no clue about which stocks to buy.

Although, I am 15 years from retirement, I am also pysically challenged, and any money I have left over is for beneficiaries. I do not expect to live to see retirement. Therefore, I still intend to be somewhat aggressive, but hopefully at the right time and in the right stocks.

Can anyone point me in the right direction for actual stock picking, and if I also enroll in the Stock Advisor and Rule Breaker services, will that help?

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Rule Your Retirement has its own boards. You might try posting your questions there to get the personal response you are paying for.

If you are new to investing, you probably should be putting most of your funds into mutual funds--at least until you learn more about investing and get comfortable with picking stocks.

If you are concerned about the short term future of the stock market (today some people are very pessimistic and talking about down trend), now is a great time to put your money into bonds, fixed incomes, or CDs. But pessimism also is a sign that perhaps a bottom to the market is getting closer. That can make it a good time to accumulate stocks.

As to picking stocks, why don't you try your hand at a CAPs account. If you can make money there with play money, you can easily convert to cash later. Meanwhile, let the pros who run mutual funds pick stocks for you.
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two points
An eye-opening new study from Standard & Poor's reveals that the majority of managed funds fail to outperform simple index funds.

We haven't reached 1982 valuations, let alone 1974 valuations.
We still might have a way to go before hitting bottom.

I feel your pain. I had hoped to retire early & coast til I was eligible for early social security at age 62. Now it looks like I'll be working those 4 years till age 62. Bummer.
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...I still have no clue about which stocks to buy.....

The chances of you being able to be one of the few people who are able to pick stocks that will beat a comparable index fund over the long term are very slim. Very few of the mutual fund managers who have advanced degrees from the top universities, great research staffs, 40(or more) hours per week to focus on stocks, computer tools you can only dream of, and lower trading costs can beat the index funds over the long term. The individual investor has a few advantages because they don’t have to follow al the rules but beating a similar index is extremely difficult.

Don’t be fooled by anyone that claims to be able to pick stocks that will beat the comparable indexes. If they could really do that they sure as heck wouldn’t sell it to you for a few dollars per year!

In addition to the difficulty in being able to successfully trade stocks, you have an additional concern because of you health situation, that is that I would assume that you might periodically have problems flare up that that would prevent you from trading stocks for a week or two which could prevent you from trading risky positions while you are incapacitated.

You should really stick with index funds; there are dozens of them other then the S&P 500 index fund. Many of them would be considered more aggressive then the S&P 500 index funds if that is really appropriate for you.

Even with a poor prognosis the chances of living to retirement it could really be more of a percentage chance instead of an absolute deadline. Even it is only a 1% chance then don’t be too quick to gamble away your funds by investing too aggressively.

If your beneficiary is a charity then there is a thing called a “Charitable Remainder Trust” that would allow you to still have the use of the money and some tax advantages that you should look into.

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Thank you.
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