No. of Recommendations: 2
... I have nothing in retirement funds right now! My age is 35...

It is sort of just semantics but one way to look at your investments is that the first dollar you save will be the last dollar you spend. If you are investing to support yourself through the age of 95, then you have a sixty-year time frame that this years money will be invested. With that time frame 100% stocks would be fine, if it is OK with your temperament.

The affect of compounding are amazing over that sort of time frame, but this also means that you need to be much more careful about keeping your expenses low than an older investor. In current (inflation adjusted) dollars, if $100 invested by 7% over the next 60 years, that is worth almost $6,000 in current dollars.

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