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Does your advice depend on how much money you are investing, i.e. 100K vs 1M vs 10M? In my case, the bonds and cash are mainly for capital preservation. I set
by epi0Bauqu 19y ago
Does your advice depend on how much money you are investing, i.e. 100K vs 1M vs 10M?
In my case, the bonds and cash are mainly for capital preservation. I set aside an amount for that, and invested the rest in the various asset classes.
- Retric 19y agoNot for long term investing, but if you are living off of your savings then having some stocks and bonds to avoid pulling more money out of the market when it's down is useful. The investment paradox is all about leverage. If you have 10+ million then who cares if spending 40 hours a month could give you a 1% better ROI you don't really need the money or the stress. If you have under 1/2 million then a 1% better ROI probably not worth the time it takes to get that extra return. (.01 * 500k) is only 5k which is probably not worth all that much of your time. At in the 1-3 million range your close enough to just retiring that your risk's are probably not worth it. Note: I am getting around 12.5% ROI/year over the last 5 years and I spend about 8 hours a year looking at my investments why bother with more than that? Well sometimes you want to play with the market which can be fun. EX: After VISA’s IPO they are up 40% how cool is that. Just don't bet the farm and you will probably make some money.