People who talk about investing and finance are frequently very wrong. For example, interest rates shot up over the last few months, which many people predicted. But then they came down just as quickly, which no one expected. In another turn of events, bonds have actually returned more money to investors than stocks have. But it’s a toss up. Investing in the short term is so unpredictable that you can never tell what’s going to happen. It’s a risky game that Clark doesn’t like to play. So, he does a mix of long term investments, including tax free municipal bonds, big company stocks and international stocks. He puts 75 percent of his money into stocks and 25 percent into bonds, and he didn’t change a thing when people predicted bonds were going to go down in value. Unless you have time to research this topic on a daily basis, put your money into a plan that will work for the long term.