I-Bonds are now paying 9.62%. You buy them only from the US Treasury. Videos below explain how I-Bonds work in detail.

https://www.youtube.com/watch?v=8pIRjfHv834&t=300

https://www.youtube.com/watch?v=zwNtVNj-4P4

So few understand reality. You made 10% last year and lost 10% this year-10,000+10%=11,000. You then loose 10% 11,000-10%=9900
HUH 100 vanished.
Our CPI consumer price index is roughly 8%. It costs 8% more for the same goods. You pay that with after tax dollars. Take your top tax rate and add that to the 8% and that is what you need to make to be even.
Long term? Buffet is 86 and he advises he is buying, investing for long term? HUH covers that.
The stock market average, S&P 500 has been up every year for the past fifteen till now.
We are told long term the stock market always goes up. The peak of the great depression was 1932. I of course was not born. I read that if you stayed in the market in 1932 you recovered in 1968 so if you were 20 in 1932 you were roughly 60 when you recovered the money you lost.
I think all are uncomfortable. What to do and when to do it-BEATS ME. A good day in the market is losing less than the S&P. iT IS STILL A LOSS.

If you have 5 years to live you should spend like Brewsters Millions. Can’t take it with you

How do you know if this is the bottom or what the market will do over say the next 5 years. If this is the bottom your strategy does not work.

That is why dollar cost averaging is a good idea for the smaller investor.

The people SELLING ADVICE say all kinds of conflicting STUFF. If, you sell and then buy back you need to get not one but two things right. Sell at the right time and then
buy at the right time. As they tell us few get both right. However, what they do not say
is you do not need to catch the exact top or bottom. Close enough and you make far more than average.

Life expectancy, per history, is also a far more complex issue than most understand.
Life expectancy is an average. At one time in history, typically a mother would die, around every two births. infant mortality has dropped on AVERAGE. If, there are two people, one lives to 100 and one dies at 1 their average life is 50 years.

We all know from experience many people do not know truth. What is your net worth? A reply $$$$$$$$. But what about what you owe. Net worth is assets less liabilities.

It is like fishing. Pictures, reality, prevents the fish from growing for years after it was caught and eaten.

Dollar cost averaging is a good strategy, but I think it works best when it is done for both buying and selling stocks. You buy stocks on a regular basis over a long period of time, the accumulation phase. Then, you hold the stocks for a long period of time. Then, you sell the stocks on a regular basis over a long period of time, the liquidation phase. Most people in retirement should be in the liquidation phase for their stocks.

Wall Street Roulette, if the brokers knew where the market was going, they would all be rich....

Technical analysis. Don’t care what pundits think. Brokers should refund fees if they don’t make you money,

Algorithms are the bulk of trades. They buy strength and sell weakness. Emotionless

Interesting. In grad school spent a lot of time talking about dollar cost averaging but only on the buy side.

Why sell a fixed amount when you do not need the money on a fixed schedule, better to take out only when needed unless you are uncomfortable having too much money in equities and want to rebalance your portfolio.

My original retirement plan was to liquidate all stocks over time in retirement, and replace them with a laddered portfolio of bonds. But, my plan was derailed by the artificially low interest rates created by the Federal Reserve. Fortunately, I am able to live very comfortably on my obscenely high Federal pension.

People love pensions in down market. Let someone else deal with the risk

Why the heck should brokers return fees if they don't make you $$? The ONLY person responsible for your finances is YOU !!!!!

If you are not competent enough to manage your own $$, don't blame others.

I have never used a broker but too many do. That job should not exist. Glorified car salesman. They sell what the firm tells them to. Only pay for private equity

Right up until the equity loaded pension fund becomes so underfunded it’s taken over by the pension benefit guarantee corp. and their benefits are cut to the low guaranteed cap.