Golden Timeline

Investing in the stock market can be very tricky.  If you make the wrong decisions on stocks, you not only lose money, but you also lose time.  It takes ten to fifteen years minimum to build up a good retirement.  If you lose three or four years here and there due to bad decisions or market downturns, it will be very hard to make up the lost time.  The solution is to designate 90% of your investment money to a portfolio that is designed to produce gains year after year.  In this way, you will preserve your capital and add to it.  Then, if you want to speculate, you could do that with the remaining 10% of your money without destroying your future.

Fibonacci Stocks.com has a great page showing a Golden Timeline plan where you can protect your principal while gaining a lot of money for your retirement.  50% of the portfolio is comprised of high dividend real estate investment trusts that will pay you dividends whether the stock market is up or down.  Then, the other 50% of the portfolio involves trading SSO, a leveraged ETF for the S&P 500.  SSO will only be bought when it is safe, and profits will be taken after a gain of 12-15%.  Then, the cash will sit safely on the sidelines until the next bull trend comes along.  You can't go broke if you are constantly protecting your profits.