If you had $200K cash in an IRA today, what would you invest in?

[Anonymous]

WWYD?

[Anonymous]

I actually have this and am wondering the same thing. Pretty scared TBH. 4% in cash looks not terrible.

[Anonymous]

How far from retirement are you?

[Anonymous]

Anonymous wrote:How far from retirement are you?

I'm almost 50, so I've got some time. Happened to roll over from previous employer a few weeks ago and was required to liquidate everything.

[Anonymous]

Isn't this completely unknown territory? No precedent. Last time we had such tariffs was 1800s. Big risks and big rewards if you jump now. Wait for the unemployment ## tomorrow and see.

[Anonymous]

A target date fund with low management fees and I'd hope for the best, knowing that I'm luckier than most if I have $200k saved for retirement.

[Anonymous]

Can you do some version of collar cost averaging over the rest of the year? Given volatility I’d be wary of investing all at once. And would probably do a low cost target date fund

[Anonymous]

I am still waiting for vti going lower lower before buying in slowly...

[Anonymous]

I think it depends on the rest of your assets. If you have other cash or bond-like investments, then yes, I would start to wade in, maybe 20% of the 200. If not, I would wait for some stability. But, I am older than you.

[Anonymous]

Half in gold/silver.

[Anonymous]

Anonymous wrote:

Anonymous wrote:How far from retirement are you?

I'm almost 50, so I've got some time. Happened to roll over from previous employer a few weeks ago and was required to liquidate everything.

So put it into the market/SP500 Index or total market equivalent. Do it over the next 1-2 months.
Sure, the market may go down further. But you won't need this money for 10-15+ years. By then the market will recover (look at 2008 and 2016 and post covid) to see that yes it will happen.

However, if you need it in the next 3 years, then I'd just put it into CD/Cash Equivalent and lock in 4%+

[Anonymous]

Maybe you should buy some Euros. It is unlikely that the USD will recover soon.

[Anonymous]

Anonymous wrote:A target date fund with low management fees and I'd hope for the best, knowing that I'm luckier than most if I have $200k saved for retirement.

Ummm...having $200K is not "luck". For people making more than $100K (and that is most on this board), by age 50 you should have $200K+ in your IRA/401K.

[Anonymous]

I would wait until Trump is done trashing the economy and stocks are at an all time low, then jump in. It’s happening quickly. The recession has begun.

[Anonymous]

Dollar-cost average into VTI $2500 a month until Trumpism is dead, then re-evaluate.