When the market recovers, will you change allocations? (funds)
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Are you saying 4 to 5 funds with different Fund Companies versus 4 to 5 various funds with one Fund Company such as Fidelity? Myself, 3 with Fidelity and one with Vanguard.
To diversify to the possible major economic outcomes we can have ,takes just 4 funds
Total market fund
Gold fund or gold , no miners
Long term treasuries
Short term treasuries or cash instruments
That covers everything from prosperity to recession ,high inflation weak dollar ,to depression .
There is really nothing else in all the back testing done that adds to that with any reliability as far as being counted on to react in a particular circumstance.
An equal mix of the above is up now.. it thrives in all kinds of investment climates
To diversify to the possible major economic outcomes we can have ,takes just 4 funds
Total market fund
Gold fund or gold , no miners
Long term treasuries
Short term treasuries or cash instruments
That covers everything from prosperity to recession ,high inflation weak dollar ,to depression .
There is really nothing else in all the back testing done that adds to that with any reliability as far as being counted on to react in a particular circumstance.
An equal mix of the above is up now
So why do you use Fidelity Monitor and Insight services?
So why do you use Fidelity Monitor and Insight services?
I don’t use the model with gold and treasuries exactly that way ......I pack the gold and long term treasuries around the models as fighter cover .....I am not big on indexing either as I use mostly managed funds.
I don’t run the gold and treasuries all the time ...usually late cycle or when I am nervous about something ....I started more than a year ago with the chaos in Washington and the tariffs.. I use those two more as trading vehicles then holds .
T.Rowe Price New Horizons, a great fund I own it and it is closed. There is word of caution about it however.
It is labeled a small cap fund but has well out performed the normal small cap market. It changed long time fund managers about a year ago so historical performance is really no guarantee. It has at times stalled this year but has still been a very good hold.
If you can get it via Fidelity it may be a good buy four days ago.
I don’t use the model with gold and treasuries exactly that way ......I pack the gold and long term treasuries around the models as fighter cover .....I am not big on indexing either as I use mostly managed funds.
I don’t run the gold and treasuries all the time ...usually late cycle or when I am nervous about something ....I started more than a year ago with the chaos in Washington and the tariffs.. I use those two more as trading vehicles then holds .
But to do it right one should stick to the script
One can have multiple scripts if they want and can afford to. A novel, mystery, comedy, adventure etc.
Dude you and I both know you have play money and can buy what you want on a whim just to own it and see how it performs if you want. Many do. Others don't.
ETF's can be great toys easy to buy and easy to sell.
At this stage a life a couple only need one car per household or perhaps two. Yet many have more than that. As we have both said who cares about needs if you WANT multiple funds and have the flexibility to afford why not have a go at it.
You can have your need portfolio and then some want ones once you have the need where it should be to take care of business.
One can have multiple scripts if they want and can afford to. A novel, mystery, comedy, adventure etc.
Dude you and I both know you have play money and can buy what you want on a whim just to own it and see how it performs if you want. Many do. Others don't.
ETF's can be great toys easy to buy and easy to sell.
Many on other forums just run a portfolio like the one I posted all the time ....it has been a portfolio in use for more than 40 years now ..it is nothing I came up with . Then once they bullet proof their portfolio they take a little bit of many and swing for the fences if they want .
But it has done pretty well year in and year out and it has never been down more than 5 or 6% .....
Many on other forums just run a portfolio like the one I posted all the time ....it has been a portfolio in use for more than 40 years now ..it is nothing I came up with . Then once they bullet proof their portfolio they take a little bit of many and swing for the fences if they want .
But it has done pretty well year in and year out and it has never been down more than 5 or 6% .....
Sure that's my point. I know why I was so cool as the markets crashed, we were still golden. My concerns are not my personal investments but pension investments.
Location: Was Midvalley Oregon; Now Eastside Seattle area
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OP,
Probly not. 70/73 ages.
Income distributed into ~ 1/3 SS and small pension; ~1/3 GLWB ladder annuities (2/5 not taken yet); ~1/3 rental income. Very little I can do at this time to really affect Income or outcomes.
I am probably not going to change my Discretionary trading habits, much (unless I go bust in this Black Swan).
YMMMV
I am 6-8 years out from retirement and when the market does recover, I am going way more conservative with allocations.
Yes. I'd already made plans to do that for a 2020 recession, when the virus made it happen super big and super early. So I got caught before I'd done my adjustments.
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