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Walt67: I’m retired and 77. I keep about 35% in equities. The problem is that as I implement recommendations of various Fool services (I belong to Boss Mode), I find myself squeezed into the large growth area, or at least growth in general. I’d like to be be more balanced with value etf/stocks, etc but it is hard to do that and also follow Fool services which tend to focus so much on growth. I’m guessing that others have the same practical problem. Any suggestions on this issue?

Hi, Walt. I see that you joined the Fool back in 1999, around the same time that I did, yet this is just your second posting on a message board. So presumably you've been doing a lot of reading of the various offerings -- and benefitting from them.

I will be turning 80 myself in the next week or so. Our main source of income is the RMD from my IRA, and my IRA as of yesterday is 67% equities, (50% a variety of ETFs, including last year's hit ARK funds, only 17% individual stocks). I keep cash (Money Market funds) sufficient to cover the next four years of RMDs. And the balance is invested in Options, following the conservative (for options) recommendations of the Fool's Options service. That keeps my mind active, is fun, and earns a good income, all of it in that IRA. This is not a path that would suit all temperaments, for sure--the options side of it--but I've loved it.

My main point to you underscores what others have already said, be very picky about the individual stock recommendations. Get into the ones you like, you understand--in short, that you care to follow. But at only 35% equities to begin with [unless we're talking many multiples of millions here], that's not really enough to spread around too thinly.

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