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[quote=Anonymous][quote=Anonymous]What is your time horizon? If you are 30, not investing in the market is not conservative.  If you are 60 it would make more sense, but not a path I would take as you will not outpace inflation and in fact will lose money to inflation by investing in saving accounts etc.

Also, are you eligible for a pension?  If you are, that is like a bond fund portion of your savings and you can take more risk with a stock index especially if the pension has a cost of living adjustment.

My DH is uber conservative like you and will not invest in stocks.  He has bought a couple of rental single family houses instead, so maybe you could do real estate instead.

Warren Buffet's advice to his wife for investing once he is gone is 90% S and P and 10% government securities.  You could ratchet down the percentage in stocks, given your lack of risk appetite.[/quote]

I'm 62 do that is part of my reluctance to get into the stock market.  I am also in poor health and don't have five or ten years to ride out the ups and downs of the market.

I am not eligible for a pension.  I think your husband investing in real estate is very smart.

A friend advised me to do just as you are suggesting and ratchet down the stock portion.

Thank you for your thoughtful advice.[/quote]

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