Reply to How much in cash vs in the market

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[quote=Anonymous]OP here -- that was helpful, thanks.  I have a separate investment account (outside of 401k), where I throw in money; I don’t know what I’m necessarily investing for -- it’s just for the future but need not be for retirement alone.  I do view stock market investing for the long term; I was actually buying in 2008 and should have bought more.  Because I view it for the long term, I don’t want to be in a position, where I put money into the market and then realize I need it and have to sell it in 6 months to get it out.  Of course you can do that with mutual funds, but if you make it a habit of doing that, you get no growth.  So what ends up happening is that I only invest what I am absolutely certain I won’t “need” -- and then that ends up being too conservative of a %.

60-80% sounds like a decent target to work my way up to.  I definitely feel like I need a financial advisor but am reasonably savvy myself and have not found one yet who is willing to answer my questions or explain why I should do something beyond just saying “that’s how it’s done.”[/quote]

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