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Posted by Elle on April 25, 2007, 3:34 am
> We are all in stocks and have averaged around 13% growth
> for the last
> year on the entire $450K so I didn't think 7% would be
> unreasonable to
> get from a "safe" MF but am finding that is not that case.
Correct, it's not the case. Do you understand the meaning of
the standard disclaimer found in mutual fund prospecti,
"past performance is no guarantee of future returns"?
> We will be
> investing is something other that Treasuries, more like
> corporate
> bonds or something that are paying 7-8%. I thought that
> some of the
> other in this forum, people that are smarter that I, might
> have an
> idea of how to achieve my goal easier or with less
> involvement than
> what I've outlined here.
I suggest you keep studying the concept of return v. risk.
You can aim for 7-8% but only if you're comfortable with the
likelihood that the vehicle you choose may also have
negative returns for some years. Do not focus on past
returns without also focusing on the risk.
Ask your question at misc.invest.financial-plan . I suggest
this even though you say you are looking for investment
vehicle ideas, not a retirement plan.
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