Comments on: Why you won’t have enough to retire.. and What to do about it http://20smoney.com/2008/04/23/why-you-wont-have-enough-to-retire-and-what-to-do-about-it/ A Guide to All Things Money For 20-Somethings: Investing, Finances, Careers, Retirement, Real Estate Fri, 21 Nov 2008 09:15:33 +0000 http://wordpress.org/?v=2.5 By: Dividend Growth Investor http://20smoney.com/2008/04/23/why-you-wont-have-enough-to-retire-and-what-to-do-about-it/#comment-15 Dividend Growth Investor Mon, 05 May 2008 15:44:07 +0000 http://20smoney.com/?p=5#comment-15 Kevin, It is possible to beat the market. But sometimes while waiting for the perfect buying opportunity you might not be fully invested when the market comes out roaring ahead. I think the reason why people can't outperform the market is because they forget that the market consists of living breathing individuals, who get greedy or scary at times. Just my opinion. Kevin,

It is possible to beat the market. But sometimes while waiting for the perfect buying opportunity you might not be fully invested when the market comes out roaring ahead. I think the reason why people can’t outperform the market is because they forget that the market consists of living breathing individuals, who get greedy or scary at times. Just my opinion.

]]> By: kevin duffey http://20smoney.com/2008/04/23/why-you-wont-have-enough-to-retire-and-what-to-do-about-it/#comment-12 kevin duffey Sat, 03 May 2008 17:38:55 +0000 http://20smoney.com/?p=5#comment-12 Can everyone beat the market? No. I believe it can be done however. The biggest mistake most make is that despite believing in the idea to buy low and sell high, most do the opposite. With regards to your stat in the 90's, most investors put money in AFTER most of the gains had been made. To beat the market, buying long term positions at true buying opportunities is crucial. Buying tech stocks after they've made their run is both the wrong investment (in most cases) and the wrong time to buy. Can everyone beat the market? No. I believe it can be done however. The biggest mistake most make is that despite believing in the idea to buy low and sell high, most do the opposite. With regards to your stat in the 90’s, most investors put money in AFTER most of the gains had been made. To beat the market, buying long term positions at true buying opportunities is crucial. Buying tech stocks after they’ve made their run is both the wrong investment (in most cases) and the wrong time to buy.

]]> By: Dividend Growth Investor http://20smoney.com/2008/04/23/why-you-wont-have-enough-to-retire-and-what-to-do-about-it/#comment-11 Dividend Growth Investor Sat, 03 May 2008 15:59:26 +0000 http://20smoney.com/?p=5#comment-11 Do you really believe that everyone can beat the market? Throughout my investing and trading career I have seen many people fail at trading. In fact statistics from major brokerage houses tell you that during the boom of the 1990's when stocks rose 20% on average, most investors achieved 6% per year.. I also doubt that 10 pillar stocks which have had stellar 20-30 years of prior experience is enough for diversification purposes. The best way for most investors to save for retirement is to have a proper asset allocation mix stocks ( small, large, mid) both foreign and domestic, real-estate trusts, and some bonds ( I would not put my clients into bonds untill they are 15 years away from retirement). Even though bonds do provide 0% inflation adjusted returns, they are helpful during a depression and deflation environments ( think the 1929-1933 crash) Do you really believe that everyone can beat the market? Throughout my investing and trading career I have seen many people fail at trading. In fact statistics from major brokerage houses tell you that during the boom of the 1990’s when stocks rose 20% on average, most investors achieved 6% per year..
I also doubt that 10 pillar stocks which have had stellar 20-30 years of prior experience is enough for diversification purposes.
The best way for most investors to save for retirement is to have a proper asset allocation mix stocks ( small, large, mid) both foreign and domestic, real-estate trusts, and some bonds ( I would not put my clients into bonds untill they are 15 years away from retirement). Even though bonds do provide 0% inflation adjusted returns, they are helpful during a depression and deflation environments ( think the 1929-1933 crash)

]]> By: The 20s Money Retirement Plan http://20smoney.com/2008/04/23/why-you-wont-have-enough-to-retire-and-what-to-do-about-it/#comment-9 The 20s Money Retirement Plan Fri, 02 May 2008 11:26:34 +0000 http://20smoney.com/?p=5#comment-9 [...] to invest in individual stocks which can help (and hurt) your attempt to outperform the market. Click here for reasons why your retirement may depend on your investments outperforming the market. Because our goal is to outperform the market, we encourage educated investors to take higher [...] […] to invest in individual stocks which can help (and hurt) your attempt to outperform the market. Click here for reasons why your retirement may depend on your investments outperforming the market. Because our goal is to outperform the market, we encourage educated investors to take higher […]

]]> By: Chesapeake and Natural Gas on a Roll! http://20smoney.com/2008/04/23/why-you-wont-have-enough-to-retire-and-what-to-do-about-it/#comment-4 Chesapeake and Natural Gas on a Roll! Wed, 23 Apr 2008 19:37:10 +0000 http://20smoney.com/?p=5#comment-4 [...] April 2008 ← Why you won’t have enough to retire.. and What to do about it [...] […] April 2008 ← Why you won’t have enough to retire.. and What to do about it […]

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