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Brown Cafe UPS Forum
UPS Retirement Topics
Seriously Underfunded Teamster Pension Funds
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<blockquote data-quote="BigBrownSanta" data-source="post: 392537" data-attributes="member: 11097"><p>IMO, it wouldn't hurt if everyone took a yearly refresher course on investing. Investopedia.com has a very good tuturial series for beginners and "experts" alike. For the sake of this argument, diversification, asset allocation and time horizon would be good topics to pay close attention to.</p><p></p><p>In my case, I have probably another 20 years until I will be at retirement age. I have more time to accept more risk to have a better return. Stocks are the best choice for me at this time.</p><p></p><p>Tieguy, on the otherhand is probably closer to retirement and is more than likely looking to preserve his principle. He can't afford to have a major downturn affect his investments, so he is hedging by switching to bonds or the Stable Value fund.</p><p></p><p>No one in this thread has been wrong in their investment advice, you just have to look at where their perspective is coming from.</p><p></p><p>Asset allocation, according to the financial "gurus", has more to do with higher returns than market timing or buy and hold strategies. Having a good blend of both stocks and bonds that are diversified across many sectors will reduce risk and balance out the dips in the economy.</p></blockquote><p></p>
[QUOTE="BigBrownSanta, post: 392537, member: 11097"] IMO, it wouldn't hurt if everyone took a yearly refresher course on investing. Investopedia.com has a very good tuturial series for beginners and "experts" alike. For the sake of this argument, diversification, asset allocation and time horizon would be good topics to pay close attention to. In my case, I have probably another 20 years until I will be at retirement age. I have more time to accept more risk to have a better return. Stocks are the best choice for me at this time. Tieguy, on the otherhand is probably closer to retirement and is more than likely looking to preserve his principle. He can't afford to have a major downturn affect his investments, so he is hedging by switching to bonds or the Stable Value fund. No one in this thread has been wrong in their investment advice, you just have to look at where their perspective is coming from. Asset allocation, according to the financial "gurus", has more to do with higher returns than market timing or buy and hold strategies. Having a good blend of both stocks and bonds that are diversified across many sectors will reduce risk and balance out the dips in the economy. [/QUOTE]
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