Profile

For many things, I am a do it yourself type of person. I do not yet have the time or knowledge for individual stock selection and I am on the fence about whether I have the long term desire for that. However, my time and now (I think!) my knowledge is adequate enough at this point to make better educated ...

The process of breaking down retirement needs into goals and then assessing the risk for each has been instructive. All of my goals are currently either aggressive or moderate; nothing landed on the in-between boxes. Compared to the common recommendations for basic allocation split between stocks/bonds ...

A decade ago, my only goal was to to have sufficient retirement money to avoid working into my 70's. For where I was in life and due to circumstances, I was far behind on retirement funds feeling very uneasy about the future. I did not need to write goals or do analysis - the plan at that time became ...