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It just so happens that I re-balanced to my retirement plan allocation last year though I am still working. So now I am bumping up the stocks to keep that balance. So it is just a matter of when the world recovers or accepts a new normal of if or when these present investments get shifted to what is conventionally consider safer places
Nope...and I'm getting my annual bonus in a couple weeks so I'm hoping the market stays down just a bit longer! But whatever it is, is. I'm satisfied with my 70/30 split but I have about 5 years to go before my planned retirement - I was at 100% equities until about 4 years ago.
I'm 61, right before the crash I moved from 60/40 to 55%/45% and that's where I will stay probably for a long while. If the market is still down in 4 years when I need to withdraw (doubtful, I'm betting it will be no lower than it is today) I'll draw from my bond portion first. If I I move at all it will go up to 60% some day.
I am invested in several mutual funds from Fidelity and Vanguard. I have had these funds (especially the Fidelity ones) for years and made good money with them. I am going to do the same thing I do now. Nothing.
We were at 65/35 but I haven't looked at it in a few weeks so don't know where it is now. Doesn't matter as I don't actively reallocate.
I have no plans to change the percent of equities now or when (if) this mess clears up. I will ride it down and then ride it back up, much like 2008 and subsequent 12 year boom we had. I have slowly increased our cash reserve over the last year from 2% to 6% and will likely go a bit higher when this ends.
I'm about 50/50 at the moment. I retired last July at 65. I may increase the stock percentage once I'm convinced we've hit bottom and started a new bull market.
Despite the large paper losses, my dividends keep rolling in (for now, anyway), and I think there will be an unprecedented opportunity to do a ROTH Conversion on all or most of my holdings (later this year and/or early 2021) and save a lot on taxes versus converting when things recover.
I start receiving social security in a few months, which should allow me to reinvest more of the dividend stream - or worst case, replace some of it.
Waiting to collect SS at 70 I've had a very conservative cash/equivalent allocation. I will allot more of this to stock index funds sometime this year & do some Roth conversions too. I will plan to be less cash & perhaps 70/30 stocks/bonds before the end of this year probably.
I'm 68 years old and 100% in equities, and have been so since 1983.
But partially I can do so because I have a great federal pension.
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