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Re: Index Funds
^^^ very true that I built the first $20k or so of my portfolio using extremely 'safe' investment vehicles like layered maturity CD's ( of course 10 years ago CD's paid a halfway decent interest rate too ! )... which doubled as my 'emergency' fund. The next $100k or so went into index funds, shares of high dividend paying stable companies ( like MO, utilities, XOM ), tax exempt muni bonds, precious metals etc. From there additional investment money went toward more 'speculative' stocks, foreign company stocks etc.