Reply to How much shall I put into solo 401K?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Max it out. You already have a lot of exposure to real estate.[/quote]

But what instrument do I invest it when it's in my solo 401k? Is there a guaranteed cash-like 5% bond ETF or similar? I am concerned about investing it into S&P tracking ETF, it doesn't look like deferred taxation benefits from shielding some of the business RE income in solo 401k outweigh poor returns at this time.

Honestly, I just wanted to prepay the remaining mortgage on one of the homes I own in 6 years when my 2% mortgage rate will hike to 5%, or just getting another investment property as I always select only those at min 7% return. It's below stock market but guaranteed, I never had a nerve watching hundreds of thousands evaporate on brokerage accounts[/quote]

The time to buy is when they market is down, and right now, the stock market is down and the real estate market is still near its peak. If estate makes you comfortable, buy real estate. However, I have relatives like you who only buy real estate and some have done very well because they got lucky and bought in hot markets and saw lots of appreciation, and some died broke because their real estate value stagnated.  Real estate is not risk free (it’s just looked that way if you lived in DC over the past ten years) and the carrying costs of maintaining property at high level are considerable.  Do you really want to put all your eggs in one basket? I do own some real estate investments via REITS, but there’s no way I would invest even the majority of my assets in one sector. 
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