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Re: Investing as Retirement Supplement
If you don't want to invest with a manager (I don't) then pick a few strong, stable, long term companies to invest in. A little bit of an issue right now because stocks have already rebounded, and these stocks are not cheap, but they are safe. Buy it and forget it. I use Firstrade, which at the time I started was ranked as one of the top value platforms (low commissions, good information, but you have to research, etc yourself). Every paycheck I transferred $150 into my account, and every 3-4 months bought more of what I had. Don't worry about chasing prices - you are going to get most of your growth from splits and reinvesting dividends and overall long term growth. Leave it where it is. I also started late with most of my portfolio, but it has grown significantly. I am retired, and have not touched it, but it is at a level that I have no concerns about TRS (which I could live on right now) not growing with the cost of living over time. My investments (including 403b, Roth, and my stock portfolio) will more than make up the difference.