Vitaali
For simplicity I pool my cash. I don't even think about it for my funds but will stop.throwing money at my individual stocks. I think of myself as a lousy stock picker though I own a few.
The good ones for me have been SCCO, WPM, and WRI. A few bad ones have been DHT, STKL, FCEL, PLUG.
I would reccomend staying away from leveraged funds for the same reason that individual stocks are problematic.( they can go down too much)
I try and slap my wrist when I think of buying individual stocks.
Aiming and investing can be as simple as you want to make it.
1)Just own an S+P 500 fund
Or
2) own large, small, foreign, REIT funds. No need to own bonds as AIM will have you holding cash ( part of which COULD be in a short term bond fund).
Of course you COULD use any other system of diversifying ( check of PAUL MERRIMAN or PERFECT PORTFOLIO for other ideas)
The important thing is to decide on a plan and stick to it. Some years it will do better than the market, some years worse. Even AIM with just the S+P 500 will do worse in an up trending market. But the losses will be less on the way down.
Toofuzzy
Take the road less traveled. It will make all the difference.
