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Old 12-05-2019, 07:33 PM   #1225
duckmite
Junior Member
 
Join Date: Apr 2019
Posts: 25
The horses part doesn’t seem to be “risk-averse.”
Imaginary horse shopping is easy on the budget and the body.

The conventional “rule of thumb” is that you’d have either 80% of your long-term investments in stocks (low cost, well diversified index funds) until 7 to 10 years before retirement (when you’d start a gradual adjustment), or “110 minus your age,” which would be 69%. Risk aversion could be something like 50% or 40% in stocks/stock-likes, so how about that?
I think I might be asking about the opportunity cost of not investing in stocks. Capital protected, interest guaranteed, low returns, may not keep up with inflation vs potentially higher returns?

Maybe I'll just split my dollars three-ways. Can't get out of learning about investment then!

Adulting sucks.
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