I am in a 403(b) retirement plan. I am 80% emerging markets (ODMAX), 10% American Funds Euro-Pacific (AEPGX) and 10% Rainer Small-Mid Cap Equity (RAISX). Only time will tell if I am doing the right thing. So far it is working out pretty darn well. I don’t think the U.S. economy is the safest place to be. What are perceived to be the riskiest of equity investments (namely imerging markets) are today the safest, I think. Anyway if my retirement strategy plays out well (as above) and if the generalized expectations and predictions of a collapsing RE market turn out as expected, then I may just be able to afford a little place down by the cliffs in Pt. Loma in 3 years time. I have got my fingers crossed and my prayer wheel turning!

Incidentally I pay no load to and have no minimum unlike ordinary customers. Pretty cool.