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Half high yield bond funds, half blue chip stock funds, bank all earnings, re-balance once a year, and take out 4% a year from total. On average you will do just fine! (Check against history if you want to verify)



>"On average you will do just fine! (Check against history if you want to verify)"

Famous last words...


Besides the fact that the past does not predict the future, especially with something to do with human nature and economics, if everyone did the same thing, then there would be no return left (after inflation).

Also, some historical data from the S&P 500:

http://www.nytimes.com/interactive/2011/01/02/business/20110...




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