Par is an excellent score in golf. A golfer who consistently scored an even par for an 18 hole round would be well within the Top 1% of all golfers.When I started out investing, I decided quickly that I wouldn't hit for the fences (another sport's analogy). I wanted to do what I could to insure that I consistently hit the top 25%, better yet the top 15%. I also wanted to avoid ever having a year where I was measurably below the average of the top 20%. I doubt few market timers and pump and dumpers can match this type of consistent performance over a period of many years. By using Vanguard funds, I think I've surpassed my intial goals, without losing sleep or having to spend time worrying about whether I made the right choices along the way. Bottom line, I met my overall goal of solid financial security by my late 40s. I probably could have left the rat race sooner, but being the conservative type, I stuck around for a few more years to sock away some more money. I've even continued to do a small amount of part-time consulting in order to insure a six-figure annual cash flow, which has allowed my portfolio to continue to grow.
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