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Hello again Dartel:
My Intention was for my IRA to be a buffer and my 401(k) to be agressive aggresive agre...

Ok, got it. Sorry to the board members for posting this again, but here's something to think about regarding aggressive investments:

But I am getting the impression fom the Fools writups that I should not do this that Index funds are my only real choice

It's not that they're your only choice, but the odds of finding managed funds that will beat the market averages in the next decade or two is no small task. Add to that the countless studies that indicate past performance of mutual funds is not a useful tool in determining future performance. Then we can talk about how the average expense ratio for these other funds has been quoted as being from about 1.2% to 1.5%, compared to index funds which are about a third of that. There is also research that blames the underperformance of these fund most often on their high fees and expenses. I can only say that for myself, I tried the fund picking route, and I wasn't successful. Even with a subscription to Mutual Funds Magazine (if you can believe that). ;-)

I am 37 and want to insure my retirement years are payed for without me having to work if I deside not too

There a a bunch of online calculators that can help a little with this. kind of like a "if I put this much away and earn this much of a return for this many years, this is what I'll have for retirement" kind of thing. Here's the Fools version:

Here are a few more:

Bottom line, if you remain consistent by adding a fixed percentage (like 10% or more) of money to your 401k and/or other retirement vehicles, and utilize one or a combination of Foolish investment strategies, you should accomplish this in 25 years or so. And depending on whether or not you've been saving for retirement for the past 5, 10 or 15 years, this can only help your cause.



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