Fannie Mae-No Politics (FNMA)

[Donotunderstand]

Good Luck

I used to pick stocks and mostly speculated when I was in my 30s

Then I timed

Then at about 45 - went 100% to mutual funds (later in 60s to ETFs)

And yes up markets nearly every year since (seems that way) -- but boy that worked best

Summary
For those of us who do not have the talent to pick sectors countries times

I encourage most of the retirmeent investing be passive and passive and then more passive . Then for me - say in 60s when I saw I was near enough (with pension and social and my wifes' same) --- 20% of so to individual stocks - super speculative with say 5% of my equity (now 70% of total assets) (and you know how FNMA has gone so far)