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[D_Eclipse9916]

I dont see the big deal, 8-10% is what you get in a regular mutual fund, I wouldnt waste my time switching between stocks and watching stocks.

I guess im a little bitch, but all my money is conservative and I am in for the long haul and prefer the tortoise over the hare. Although the hare 75% of the time wins, im not going to worry over 1-2%.

[white_2kgt]

I dont see the big deal, 8-10% is what you get in a regular mutual fund, I wouldnt waste my time switching between stocks and watching stocks.

That's the point. I don't watch stocks. I just read a spreadsheet and do what the numbers tell me. Which is why I'm not playing the game.

[Apoc]

I dont see the big deal, 8-10% is what you get in a regular mutual fund, I wouldnt waste my time switching between stocks and watching stocks.

I guess im a little bitch, but all my money is conservative and I am in for the long haul and prefer the tortoise over the hare. Although the hare 75% of the time wins, im not going to worry over 1-2%.

Anyone our age (read: under 35) should have a decent mix of agressive and conservative funds. We have the luxary of being in it for the long haul but you also have the luxary to ride out bumps in the road that the aggressive blends hit.

A 3% difference in yearly gain basically means you have 2x as much money after 25 years without additional savings. I'll definitely sweat 3%. 25 years is a long time but as you said, we're in it for the long haul so we might as well earn more money while we're waiting.

[BLINGMW]

Anyone our age (read: under 35) should have a decent mix of agressive and conservative funds.

Just another viewpoint FWIW-- the last two places where I've contributed to a 401k, each had a worksheet to help determine what kind of funds to recommend, and for people our age who are looking for returns in the long term, go aggressive all the way! An aggressive fund is still a pretty darn sure thing, assuming it's a reputable company and the fund has a decent Morningstar rating. In any given year it might return a loss, but the overall gain over 20+ years is much higher.

Anyway, getting off topic here, I'm playing this game 'cause I'm too chicken to invest my own real $$ directly in stocks. :oops:

[mrbaggio]

Have a look at ETFs. They are like mutual funds (many stock holdings) but are traded like stocks.