Sherlock Holmes once asked his friend Watson if he knew how many stairs he climbed up and down every day to their second floor flat. Watson didn’t, and Holmes said, “You see, Watson, but you do not observe.” Let me ask you, you see your retirement...
Think about the choices in your 401(k). You probably have a long list of stock funds, maybe two general purpose bond funds and a list of target date funds that combine stocks and bonds. Essentially, all you can invest in is a combination of stocks and bonds....
