I am a 71 yr. old HD reader for less than one year. This is my first comment. The Missing Days chart finally gave me the courage to ask my question to this wonderful group of people. Straight to the point, My tax deferred retirement funds have been in fixed cash/equivalent accounts since before the April 8, 2025 market drop. I want to fix my allocation to 30/70. I can buy the 30% equities (in my Vanguard tax deferred account) at any time. Still, everything I’ve now seen tells me not to buy stocks at this high valuation time. I want to wait for a drop in stock prices. One last fact, I have a pension and SS that covers all of our expenses. I don’t need to take withdrawals until RMD’s. Should I hold off on my stock mutual fund purchase or jump in at this high valuation?
Comments
I am a 71 yr. old HD reader for less than one year. This is my first comment. The Missing Days chart finally gave me the courage to ask my question to this wonderful group of people. Straight to the point, My tax deferred retirement funds have been in fixed cash/equivalent accounts since before the April 8, 2025 market drop. I want to fix my allocation to 30/70. I can buy the 30% equities (in my Vanguard tax deferred account) at any time. Still, everything I’ve now seen tells me not to buy stocks at this high valuation time. I want to wait for a drop in stock prices. One last fact, I have a pension and SS that covers all of our expenses. I don’t need to take withdrawals until RMD’s. Should I hold off on my stock mutual fund purchase or jump in at this high valuation?
Post: Real vs. Imaginary Returns – Part II
Link to comment from January 8, 2026