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

[Anonymous]

Cash only.

Trump is going to crash the $

[Anonymous]

Anonymous wrote:

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.

I’m 32 and thought I was behind with only $125K, so this makes me feel a bit better. My husband has $200K already at 33.

[Anonymous]

Silver & gold

[Anonymous]

Anonymous wrote:

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.

I'm the OP - I was never making more than $100K (far from it) but I got married in my late 30s and lived very frugally up until then, and my husband has pushed me to max out my retirement contributions the last few years. I wish I'd saved more aggressively when I was younger. And that I'd moved on to a better-paying job instead of staying at the same nonprofit for too many years.

[Anonymous]

Anonymous wrote: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.

“An all time low.” Ok. What meaningless drivel.

[Anonymous]

Why are bank interest rates still high? What are banks doing that they can afford to pay high interest?

[Anonymous]

Anonymous wrote: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.

It’s not going to be good. First month of dodge layoffs in there. Market looks to open down as much as yesterday.

[Anonymous]

Anonymous wrote:Why are bank interest rates still high? What are banks doing that they can afford to pay high interest?

CDs lag short term treasuries, which have come down a lot in the last few days. I bought an Am Ex CD 1 month ago, and got 4.25% for 3 years. Bought a second one this week and got 4.05%. Today (Fri), not even available. In fact, inventory is very low at my broker.

If you are waiting for some reason, better buy now, CD yields going lower.

[Anonymous]

Probably continue to do the s&p 500 because I’m in my early 30s

[Anonymous]

Anonymous wrote:Cash only.

LMAO! "What's inflation?" Yeah, YDY.

[Anonymous]

SOXS, UVIX and SPXS. But in the morning and sell in the afternoon until the tariffs are gone.

Or buy the GLD etf and let it sit.

[Anonymous]

Anonymous wrote:Probably continue to do the s&p 500 because I’m in my early 30s

Why? It’s going to keep falling. Don’t catch a falling knife right now.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Probably continue to do the s&p 500 because I’m in my early 30s

Why? It’s going to keep falling. Don’t catch a falling knife right now.

Back of envelope says 4200 is first Fibonacci, anybody an expert in this ?)

[Anonymous]

I'd buy some BRK.B .. They have too much cash on their hands.

[Anonymous]

Small cap stick valuations look attractive. Check out the S&P 600. IJR and IJS have quality/profitablity screens.