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<p>[QUOTE=&quot;Phil Ham, post: 26031495, member: 5787&quot;]I&#039;m no expert either but been investing in the markets since the 80&#039;s.&nbsp; I tend to be a little more aggressive with my investments, but did buy into an annuity in the late summer of 2024 with 40% of my portfolio with guaranteed returns at a good rate.&nbsp; It was just prior to the rate reductions from the Fed.&nbsp; Meanwhile, my other investments are mostly US equities.&nbsp; I moved out of real estate, global stocks, and corporate bonds a few years ago.&nbsp; Those investments weren&#039;t too good and continue to struggle.&nbsp; I&#039;m sure we&#039;ll see another dip in the market.&nbsp; I will ride out the dips, continue to buy, and sell near the top.[/QUOTE]</p><p><br /></p>

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