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Additional Thoughts About my Dilema

April 21st, 2009 at 02:52 am

So I have now talked about my dilema but what could I do about it. I don't have the education or expertise to analyze all of the data sheets and financial statement so readily available in our information society. Various people I knew recommended looking at analyst reports but it seemed each one had a different idea of what to do. It was obvious to me that I had waited too long to start a retirement program and that a lot of ground had to be made up but the question is how to do that. There are mutual funds, individual stocks, treasury bonds, REITs, MLPs, and any other number of investments out there but which is best. So called experts talk about asset allocation but each seems to have a different idea of what the best allocation is for a portfolio. Some reports I read talked about the need for buying stocks at a low price and then selling them at their high point. This sounds like a lot of work to me! Isn't the whole idea of investing to put your money into something that will make it work on my behalf? I don't know about you but I work hard for what little money I do have and don't want to put in a whole lot of effort to find the best place to invest it so that it can work for me. One thing that I have definitely discovered in my research is that the stock market seems to top all other activities for redundant and wasted effort. In fact over the course of my research I have come to the conclusion that investors seem to be working a lot harder than they should have to in order to get the 'best' return possible. Is all of this effort worth it? Truthfully I don't know. What I do know though is that I have discovered a means of investing that takes very little effort. J.P. Morgan once made a promise to his customers that stock market prices will fluctuate - each one of us can attest to the truth of this statement after the fluctuations of the past years. If we could just get a crystal ball then we would be able to make a mint buying at the low points of a stocks prices and then being able to sell just when they reach their peak. The trouble though is that none of us has a crystal ball and will be unable to determine consistently what the highs and lows are. Trying to do so goes back to my earlier statement that a lot of investment strategies being touted today place all of the responsibility for profit back on the stockholder. This means we will have to work hard for our money once again - do any of us really want to do this? My observation in all of this is that the stock market seems to have become a grand game pitting every investor who has put money into it against each other. The question is how to best play this game and I think that I've found a way to do so succesfully.

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