Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#16
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My goal for my traditional IRA is to keep at least 2 years worth of RMD in cash the remainder is invested in conservative mutual funds - emphasis on value and dividends. I have done this by reverse dollar cost averaging. In other words within my iRA I convert enough from my equity mutual funds to cash to keep the 2 year RMD balance in cash.. I withdraw my RMD in January. In reality this really gives me at least 3 years to weather a bear market even if I stop converting during the down period. Just another way to approach this potential problem.
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#17
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To me it is impossible to time the market and going in and out is a great way to lose in the long run. I would rather stick with my collection of mutual funds and monitor their performance. When not happy with performance make a change. BTW my portfolio was up over the last half of 2021 so again speaking for myself would have lost some appreciation by getting out. Not to mention not easy to judge when to go back in. Too many people buy high and sell low. As a former President has said better to stay the course. |
#18
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Absolutely correct!
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#19
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I'm heavily invested and my net worth is 25% higher than when I retired 10 years ago.
Stick to sports, coach. |
#20
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I'm wondering how the national debt, the interest payments on that debt, and the debts percentage of the GDP factors into the stock market?
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#21
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Sticking it under the mattress is not an option.
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#22
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agree and have lightened up about 20% as this market is only driven by a few stocks
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#23
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Identifying as Mr. Helpful |
#24
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Is 25% a typo?
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"No one is more hated than he who speaks the truth." Plato “To argue with a person who has renounced the use of reason is like administering medicine to the dead.” Thomas Paine |
#25
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My first thought as well, but maybe..............up 2.5% per year after withdrawing living expenses.
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Identifying as Mr. Helpful |
#26
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"No one is more hated than he who speaks the truth." Plato “To argue with a person who has renounced the use of reason is like administering medicine to the dead.” Thomas Paine |
#27
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#28
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People's circumstances differ.
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"No one is more hated than he who speaks the truth." Plato “To argue with a person who has renounced the use of reason is like administering medicine to the dead.” Thomas Paine |
#29
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........Some sort of war somewhere in the world could cause this year to have BIG market fluctuations and overpower that "buy after election" strategy. |
#30
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Here are some facts: In 2016, Charles Schwab analyzed market data going back to 1950 and found that, in general, the third year of the presidency overlapped with the strongest market gains. The S&P 500, a fairly broad index of stocks, exhibited the following average returns in each year of the presidential cycle: Year after the election: +6.5% Second-year: +7.0% Third-year: +16.4% Fourth-year: +6.6% Overall, the predictive power of the presidential election cycle theory has been mixed. While average market returns in years one and two have been slightly sluggish overall, the direction of stock prices hasn’t been consistent from one cycle to the next. The bullish trend in year three has proven more reliable, with average gains far exceeding those of other years. What’s more, roughly 90% of all cycles since 1950 experienced a market gain in the year after the midterm elections.
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Identifying as Mr. Helpful |
Closed Thread |
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