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Re: Why a Roth IRA?
That's great, JBin. I wasn't knocking you at all. Your approach is good... I just think a lot of people can't or won't spend that kind of time, so for them a passive, diversified approach is better.
I disagree with you a little bit about your portfolio being less risky because you're invested 40% in cash. You're exposing yourself to both currency risk and inflation risk, assuming you're in for the long haul.
That's great, JBin. I wasn't knocking you at all. Your approach is good... I just think a lot of people can't or won't spend that kind of time, so for them a passive, diversified approach is better.
I disagree with you a little bit about your portfolio being less risky because you're invested 40% in cash. You're exposing yourself to both currency risk and inflation risk, assuming you're in for the long haul.
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