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Prices are not coming down, inflation is rising, mortgage rates are rising, the stock market is near bear territory.
Given all the planning and various strategies that have been discussed on HD, do those retired have any concerns about weathering this storm?
How about those within a few years of retirement? Anything happening that may change your plans.
Complete disregard for all market situations.
I sold everything on March 2nd.
Almost every year I sell once when risk is too high. Usually I’m out for 1–3 weeks, but in 2022, I was out 10 months.
My model is based on timing + slow trading + funds in leading categories that have excellent risk-adjusted performance.
Of course, you can stay in indexes and do pretty well, but you also suffer all the market volatility. Your only solution to lower volatility is bonds.
Sometimes you will be far behind:
Investors with pensions, especially pensions that cover all expenses, are not the norm. Most don’t have them.
History of my allocation
1995-2000 + 2000 until last year = very high % in the US
2000-2010 = value, small cap, international
since 2025 = international
Your equity moves over the last 30 years appear to equal near perfect timing. Seems a bit unrealistic…but congrats. Can I borrow your crystal ball? 😂.
It seems very, very unrealistic to me. I can’t help but wonder about the tax implications of such an amazing market timing strategy. Personally I would publish a book and make millions…there’s obviously a paper trail backing everything up.
We scratch our heads 🤔 and we jest in good fun. Cheers!🍻
😂