NewbieStocks or ETFs?
Retirement plan or ETF is better for people who have 10 more years before retiring?
Its not an either or. Its more of
(1) time horizon
(2) segretation of spending down money
(3) liquidity/cashflow it generates
STocks are definitely important to beat inflation for your overall portfolio. Even a 10% is fine, because you need that money 25 years later (oh wait.. so i got so much time before i start using this last bucket of money).
Your money bucket could be done in 2 years, 5 years, 10 years, 15 years, 20 years, 25 years.
Each of this bucket, the cashflow should be liquid enough for you to draw during retirement.
So it becomes easier to deploy your assets so you know when you want the money.
The other way is to do barbell approach of keeping 3 years expenses in cash, and the rest into equity only, and sell the funds to replenish the cash only if it hits your desired rate of returns.
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I feel like although stocks can potentially have fantastic returns, they require more work in terms of research and keeping updated. Personally and depending on what I already have in my retirement plan, I'd probably lean towards ETFs. How robust would you say is your retirement plan at this point?