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Thanks all. I did happen on that thread about investing lump sums vs. DCA and found it very useful. I'll probably do a 50/50 asset allocation soon.

Aptenodytes,

I did change my AA from 90% equities/10% real estate after my husband's death to about a 60/40 equities/fixed income split.

Bustoff, So far the money is sitting in an account not earning anything. If I keep it there I assume I will eventually lose to inflation. Are you suggesting the liquidity is worth that loss and I should keep it liquid despite the long term costs? Or is there something other than the "casino&quo...

Excellent questions. I would like to keep the money invested indefinitely and eventually draw from the earnings. If I am unemployed for longer than a year I will probably start to draw money from my 403B and possibly begin to collect Social Security as a last resort since I know it is better to wait...

Any other opinions? I think I'll keep enough in cash to cover my debt but not pay it off immediately. I do not want to trade Euros to Dollars because we need more Euros than we do dollars and I assume there would be transaction costs associated with trading. I already have my retirment in dollars an...

I am a 60 year old woman with low six figures in a 403B which I've been dollar cost averaging into since 1986. I was in about 90% low cost index mutual funds and 10% in a real estate fund. I was very risk tolerant because my husband had an extremely secure job. Then he was killed last summer in a tr...