Quote:
Originally Posted by westopher
I got lucky. I put all my money in after my old condo sold. Made about 6-7k in a year that paid for my overspending while my wife was full time in school, pulled almost all out in August 2015 for our condo down payment. What I have left in there seems to hover around the same though because of what it is distributed in. When some goes down, some goes up. No stress for me though, I live off my paycheques, not my investments. It was nice to have that money have paid for us when we needed it most.
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assuming you re-balance every 1/4 or 1/2 year, you will win long term
people who look at point to point returns on an index have it wrong as if you go lump sum, you go diversified equities and fixed and re-balance (sell high, buy low, by definition), if you invest regularly and like higher risk/higher reward, you can go all equities (I go MSCI developed world index, diversification in currencies, in region, in industry, 1,600+ companies) and you will, by definition by more at lower prices than you do at higher prices - you are bound to win, by definition in a flat to rising long term environment.