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Yeah, I'm looking to reduce my risk next month some time. I hit 28% last year and am at 21% this year because I dropped some stock funds in late Feb and missed out some of the March drop, but missed the start of the rebound this summer. Bond markets worry me as the t-bills are so low of a return, effectively negative long term. And, there's too many medium and even large corps going into bankruptcy and so many cities and states scrambling from low tax revenues that you really have to look at what you're buying into.
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I not sure about you folks, but I can change my fund allocation in minutes on Vanguard. I think right now I am running pretty close to their "recommend" bond/stock ratio for a 2040 retirement (at age 56). My 401K is just a portion of my portfolio, with the bulk being in property equity and ESOP holdings (18 years at an employee owned professional company has benefits), so I tend to let it run on automatic. I will definitely need to assess for a short-term lifeboat transfer.
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My retirement is a mess. I need to combine all my old 401k's into a single unit. I am trading my pittance of stock with TD Ameritrade and thinking about moving my retirement accounts over to them too. Keeping the active one with my current job where's it's at of course.
If I were better at guessing the market I wouldn't be working. But I like the idea of dropping into something a little less volatile before November. Rolling into simple interest for a month to miss the drop might be huge in the long run.
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Buy LOW, sell HIGH.
Maybe to some, this market may be very LOW.
This is not a LOW market for me.
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Ya I'm able to switch my funds pretty easy the problem is once I jump out the current fund I'm in I can't buy back into fund I left for 30 Days
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I have self-directed 401k under Merrill Lynch. Commission free trades, Can't do options or certain equities or commodities ofc, (No ETF sadly..) but still, I've appreciated the fine control.
