Skip to main content
No. of Recommendations: 1
I would also recommend an S&P 500 or total market index fund, combined with bonds.

Some other specific suggestions (if anyone else can provide some url's, I would appreciate it):
- while you may not want the hassles of managing your own real estate, you might want to check out REITs. They allow you to have some ownership of real estate without having to deal with managing them and in a more liquid form. One concern is that a lot of their return comes in the form of dividends, so it may be best to hold them in an IRA, but it is a good way to get another asset class in your portfolio
- when considering bonds, you may want to look into TIPS or I-bonds. With TIPS, you again have some tax issues, but especially if it is going to be a while until you need the money, these bonds make sense. This way you have the security of U.S. bonds while maintaining the inflation protection.
- you probably want to at least investigate the efficient frontier information on asset allocation. These are set up to help you figure out what sort of percentages in each type will help you get the highest return. Since you are more conservative, you may want to weight the more conservative asset categories (REITs, bonds, etc.) more heavily than is totally efficient.

Just my $.02,
Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.