To have and to hold / till retirement do we begin to part

[Sergeant Gleed]

Duly note...with every 2% average gain the ending balance triples. Its very important to understand risk is commiserate with reward. But Cotton , papa was a.no count . mama gave her to the church forcs new jet..i wont be working at age 1 ( ..scram kid, kool aid stand university. Kids like you often.become very successful.

Commensurate, not commiserate.

[Cotton1]

Commensurate, not commiserate.

Thank you. I didn't sleep well last night and my eyes are very blurry past few hours

Actually do me a favor. Never try to undermine me with childish spelling nazi crap because youre a clueless nit picker. If you think you can play with the big boyz..go ahead lol. In the meantime since I have numerous spelling and grammatical errors go thru and fix them. Be my gopher. People like you are why people like me get $100+ an hour to sit in a chair, watch tv and do whatever we want. I dont have time for details. Anyway, clean up my mess and don't leave a spot. Chop chop

[Cotton1]

While Gleed is shining my shoes this is a good time for me to state my purpose. #1. Its my passion. #2. Over the years I NEVER Saw a situation that didnt have cracks in it here and there. #3 failure to fully utilize capital. Why on earth would you work for your money then fail to properly and fully utilize it. ? #4. Countless simple oversights cost even average investors some times hundreds of thousands. #5. Make a mistake at 25 and it costs a fortune as errors compound too. Make it at 55, not so dire.#6.studies show men tend to blame the brokers for problems. Women blame the markets.Blane nobody. Reframe problems as opportunities. Fix them
#7. Only about 150 people can be utilized before one hits the point of diminishing returns. That's why say Gore Tax has plants one beside the other 150 workers.#8. Casually note how busy your advisor is. At max I was juggling 160 clients. Im sorry your aunts pu$$y fell off but in all fairness to the others..brevity.#9. Fees are very much at discretion. I charged some clients 250% more than others...guess why? Time
..

[Hoosier8]

Question: you are down 11%?
S&P up 15%....
Quite the divergence.
#1. Is your 401 I'm your company stock only or mostly?
#2. If no to #1 is it weighted heavy in rnerfu sector,
Financials ?
#3 . if yes to 1 or 2 then you may have too much cash and equivalents to spool up ..

If no to the above...i dont want to know personal stuff. Dont need to.just a yes or no.to 1 2 or 3 The elephant is so large its likely one fell swoop fix it.

Basically mine are spread through a number of funds and now that I am older more of it in bonds. Very little in company stock.

[Cotton1]

Basically mine are spread through a number of funds and now that I am older more of it in bonds. Very little in company stock.

Great! Hoosier, I misread your original post alluding to your 401. I thought you said you were down 11% on your 401 not uo 11% . Therefore your divergence was only 4% from the S&P. I said that to say that you are definately in the right mix as you are " getting older". Your gain vs the S&P gives you a "beta" of 73. That simply means if the broad markets rally say 25% you should show a gain of about 17-18% . thats actually a good thing at this point in your life. The beta of 73 doesnt suggest you are in a safe place (" safe being a relative term) , it screams it. I thought I would toss up the top performing bond sectors for you to use a point of reference, if so inclined. Your advisor deserves a pat on the back for his adherence to what at some point were obviously clearly stated goals and objectives.

[Hoosier8]

Great! Hoosier, I misread your original post alluding to your 401. I thought you said you were down 11% on your 401 not uo 11% . Therefore your divergence was only 4% from the S&P. I said that to say that you are definately in the right mix as you are " getting older". Your gain vs the S&P gives you a "beta" of 73. That simply means if the broad markets rally say 25% you should show a gain of about 17-18% . thats actually a good thing at this point in your life. The beta of 73 doesnt suggest you are in a safe place (" safe being a relative term) , it screams it. I thought I would toss up the top performing bond sectors for you to use a point of reference, if so inclined. Your advisor deserves a pat on the back for his adherence to what at some point were obviously clearly stated goals and objectives.

Never take advice from a relative. An older gentleman that has now passed on took his son's advice and put all of his retirement money in Lucent before the dot com crash and lost it all. He worked until he was close to 90.