I am 59 years old. I have just over $100,000 in cash to invest. The market has been very high and I was waiting for a dip to happen, but it seems to be going up further. Because the saying goes “Buy Low, Sell High,” Where should I begin?

Your question is one we are addressing on a daily basis with our existing clients, and with new clients investing new money. At 59 years old, the first thing you need come up with is an appropriate portfolio allocation between fixed income (bonds) and equity (stocks), based on your personal risk tolerance and time horizon. […]