Talk of The Villages Florida - View Single Post - Is the market going to crash?
Thread: Is the market going to crash?
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Old 06-11-2021, 09:10 AM
MidWestIA MidWestIA is offline
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Default Do the minimum
With your experience do the minimum decide % for stocks for example 30% then 70% bonds. Put the stocks in a total stock index like VTI then the the rest in total bond index like DODIX or BND and leave it. When stocks crash and VTI is just 25% move 5% of the bond into it or vice versa maybe every 6 months or after alot noise about the market. NEVER sell otherwise if you stay in with bad times you'll do fine.

BUT if you live on the 403b keep 2 years worth in a money market or high yield online savings like ally so you don't take out in bad times

I make the most money reallocating from bonds to stocks in like 2008 or 2020