Conservative Retirement Portfolios

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Sunday, July 1, 2007

June 30-July 1, 2007 Recap


Caller: This caller had $300,000 to invest and wanted Bob's advice. Bob recommended that she take a"top down view" which means first trying to determine what your asset allocation should be. To do that, you consider your age, your tolerance for risk and make your decision on how you are going to allocate between stocks, bonds, real estate and any other asset class. Bob said for new money, he would recommend a dollar cost average approach using either the Vanguard Total Stock Market Index Fund for the equity portion of your portfolio or the GNMAs for the fixed income side.

EC: A couple of things here. First, Bob obviously isn't too worried about the terrorist attack because he is still recommending going into stocks. We aren't at the market highs, nor are we at Bob's last "buy" level of 1380. Thus, the dollar cost average approach seems to be the conservative advice Bob will maintain unless the market declines a fair amount further.

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