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Chuckle...??
stray15...it's sometime difficult to gauge a persons sincerety on these type $$ issues. After, reading your apparently honest question, I would have very serious reservations with what has been offered here.
Retirement by definition is a term of the past. Most that have dreamed of retirement have UN-retired. Learn a trade OR open a business and try to earn a living doing it. The business will be your BEST investment in the the next generations to come. ....FORGET THE STOCK MARKET..... Bonds, are for lazy rich people whom don't have any ambition and 2-6% return is not going to change their life-style. Most are members of the LSC (lucky sperm club) OR got lucky during the DOT-COM ard were smart enough to see that most were just playing with "funny-money" and at some point it was just a matter of time before there were not enough chairs for ALL to sit and when the music stopped (day-trading) there would lots of investors holding the bag.(ala, Enron,et,al)
The time now is to try to complete "short-passes" and not trying to throw deep. Keep your defense on the field as little as posssible, and take small amounts of $$ and try something that works. BE HAPPY, with 10% returns on incrimental investments. These will add up...
The key is NOT to follow the crowd, be a loner and follow your own intuition. And for GODS sake forget the $$-manager suggestion. If they ($$-managers) knew what was smart, do you think they'd tell you ???
Seriously...good luck !!
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