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Message: [QUOTE="buddy, post: 3545378, member: 3489"] A lot of it has to do with your age. Timing of the market is very difficult. If you are young and have 20-30 years to recover, then you may do well with individual stocks. I believe that blue chip funds and mixture of stock and bond funds, with low expenses, would be best if you are at or approaching retirement. I also have always believed in tech and health care funds as reliable options. Neither of those industries will be going away. You want to minimize the ups and downs by having a balanced portfolio of stocks and bonds, especially if you are at or nearing retirement. [/QUOTE]