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Money and Finances
Reply to "Too much money on the sidelines"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I took down risk by going half Target Date Fund my age plus 5 years and half S&P 500. [b]BY RMDs at 75 should be at point if stock market down sell TDF if market up sell S&P,[/b] [/quote] What is your thought process behind that? [/quote] when my Mom retired she went half stocks and half bonds on 401k.Each year at RMD if stocks way up did RMD of stocks, if stocks way down did RMD bonds otherwise 50/50. She actually started RMDs in 1998 so did Stock in Dec 1998, 1999 and 2000 and Bonds in Dec 2001, 2002 and 2003 then stocks in Dec 2004-2007 then bonds in December 2008 I think it worked better back then as bonds and stocks were more inverse. So I did TDF to mirror it with but with less bonds. [/quote]
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