3 ms·

Have you done either? What was the experience like?

• ineedasername 6y ago
  Have you done either Not at all, I just like to follow the industry. It's a fascinating time to be a spectator from the sidelines. I'm perfectly happy with the "aggressive" setting on my retirement fund, paying 0.08% annual fee (that's $0.80 per $1,000) with an average return of 7%-10% over the last 20 years. I'll wind it down to less aggressive as I get older. Apart from that, I have little trust in myself to, on average, make decisions that will outperform the above. My tolerance for risk of that sort is pretty low, and I'm not particularly motivated by money beyond the comfortable lifestyle I have now: It's zero debt, will see college tuition paid for my 3 kids, a reasonable retirement ready in a few more decades, and some assets to leave to my children to make their lives slightly easier when I ultimately pass away. I guess I'd like to have more money, but it's not a burning desire and I don't see a path to it that doesn't risk either quality of life, lots of stress, or both.