replay01....Don't agonize over it. Yes the 80's & 90's where a good time for great returns.  Now, times are different.  The average public worker qualifies for retirement pent ion at 25 years.  I have had my ROTH IRA for 12 years and haven't made a penny yet.  Yes...that's right, half way through my career and the mark...more

Yes....the "worst area imaginable", it's called the stock market. It is not that my investment has done nothing. It has been a wild ride. the first 6 years I was up doing well, 2008-2009 my balance went greatly negative like many other well managed, diversified portfolios.  I am recently back even. Over 12 years I've g...more

ROTH IRA...I have been contributing the maximum every year for 12 years now.  I have purchased only the very best, low cost, Vanguard funds.  Today I have exactly what I paid in. No more and no less.  Investing for retirement is a waste of time and money.  At todays rates I would need to have about 3 million dollars in...more