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Follow the Crowd With Your Investments--and Plan on Working Until You Die

Case in point - stocks rock

civil engineer (retired)
USFS
Fri Dec 16, 2005 7:52 PM

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Thanks Ralph for the re-run of good advice. Looking today at the markets,
it proves that investments in stocks is a good risk and the only one with a very good probability in staying well ahead of inflation in the long-run. I love the example of gold. A good thing to mine and sell but a poor "investment". Gold is always sold on the basis that it is a safe and solid investment - it is that you risk virtually no gains or losses BUT if you aren't keeping up with or out-pacing inflation, you might as well enjoy a new car & forget the gold.

How to Invest in Retirement

Examiner
Internal Revenue Service
Fri May 2, 2008 2:51 PM

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It appears that you have a bias towards stocks. Your cites put stocks in a good light, and bonds and the G fund in a bad light. Your 200 year cite is bad because not too many people live 200 years unless you are talking about Biblical times.

Most investment people advocate stocks as the best retirement vehicle. How many cite the time until present. What they forget is that stocks are near an all time high and have have gone up a great deal since the start of the Reagan years. How about prior to the Reagan years? From 1966-1981 stocks did not do so well.Obviously, I hand picked that time line to illustrate the potential for bias on picked timelines. Stocks are not a panacea

I agree with you that stocks should not be sold in a down time and bought when popular. If they are good they should be held for long term investments. I do not like bonds at all as one is at the mercy of the bond seller.

Please do not knock the G fund. If you want security without worry it's best

Re: How to Invest in Retirement

software engineer
navair
Mon May 5, 2008 11:46 AM

Safe, in the sense that you won't take any negative hits, sure. However, to be able to retire at a relatively young age at a comfoprtable income the majority of people need to significantly beat inflation with their retirement savings earjnings. The G and the F funds won't do this. That only leaves the tax funds. Sure I'm down over the last 6 months but over the last 5 years (including the recent down-turn) I'm 'way ahead on my C, S and I investments.