You have the greatest advantage over most all the posters on this board. YOUTH. I am quite certain you will be a multi-millionaire long before you reach 65 and you will retire much earlier than you now forecast. Had I done at your age what you are now doing by investing I shudder to think of how much wealth I could have gathered. Having a new motorcycle every year seemed at the time most important....oh well. Buy and hold CYGX and you will be very pleased with your decision.