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....being as exact as you can, what do you consider short, mid, and long term horizons when it comes to investing in the stock market.....for retirement
Does it depend on each person's situation.....(how much they have NOT in the stock market, and their other funds)
....or is it as pain and simple as.....regardless of other things....
-- one to 3 years is short term (or pick whatever YOU consider short term)
-- 4-7 years is mid term (or pick whatever YOU consider mid term)
-- 8 years and longer is long term (or pick whatever YOU consider long term)
5 to 8 years in an income model that is assorted bond funds and dividend equity fund . it is about 70% less volatile than the s&p 500
8 to 15 years in a growth and income 60/40 model
everything else 100% equities .
sometimes like now when markets go up so much my equities are out of my comfort zone so i may use just the income and growth and income model .
there is no time frames written in stone and valuations , leverage and rates play a part in determining how much in each .
no allocation holds true forever . we tend to adjust to fit lifestyle and comfort level . .
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