No. of Recommendations: 1
My past, current, and best long-term strategy has been to use low cost funds from Vanguard on a buy and hold basis. I've watched my asset allocation (fixed versus equity) over the decades. I'm not at 30% equities and 70% fixed. About one-third of our portfolio is in a taxable account, with the balance in our rollover IRAs. I'm fully retired now, and my wife does a tiny bit of part-time work for money, but not enough to write home about. Keeping fingers crossed and knocking on wood, I think we're in good shape for the long haul, at least I hope so. Buying and holding is the single most important thing we've done. This way we avoid what kills so many people, which is buying high and selling low, plus paying to much in expenses. Good luck to us all.
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