And you are tucking a little something away for retirement, yes?*
A few years ago, the investment firm of Neuberger and Berman did a study of investments and the money they made between the Standard & Poor 500 Index (This is an index mutual fund that tracks the top 500 largest "blue chip" American companies. Household names like Microsoft, General Motors, IBM, GE, and others); the other 50% went into five-year Treasury Notes. What they found out was highly interesting, and highly important to your investment future.
N & B discovered that, between 1960 and 1996, an investor that had 50% of his assets invested in the S & P 500 and 50% in five-year Treasury Notes earned an annual compound rate of return of 9.75% for the whole period. This was 84% of the total return of 11.1% for the S & P 500 by itself.
Now, you could have gone for a 100% stock exposure and earned yourself a percent and a fraction more than with this fifty/fifty deal. But you would have been like a kid in the front car of a roller coaster, climbing up up UP and then rocketing back down again as stocks rose and fell over that period (and trust me. They DID rise and fall from the pay out of the S & P 500 and protect your downside with U.S. Treasuries, shouldn't you think about doing it?<>
I think the answer is maybe "yes".
*(This has been another short break from the usual 'toon postings. Artists do not live by animation alone...)