(02-01-2020, 02:32 AM)pirkster Wrote: There is always opportunity for anyone who seeks it.  Always.  Regardless of circumstance.

It's only a question of how bad do you want it, and how hard you're willing to work, and eagerness to learn.

If you're looking for preserving assets and mitigating risk, then yes... that's a wise choice to have little exposure to volatility.  Dividends can be as good as growth as long as you DRIP.

But if you've got at least 10 years before retirement, there's no reason to get out completely.  That's the reward of risk.  There's no reward without risk.  There is no luck.

ETFs with good track records are the low hanging fruit that make investing really, really easy.  Again, it's your comfort level with risk.  If you are averse to risk, then you will have a proportionate cap on your growth as well.  There's nothing wrong with that if that fits your strategy in reaching your goals.