Anonymous
Post 04/03/2025 18:52     Subject: If you had $200K cash in an IRA today, what would you invest in?
Dollar-cost average into VTI $2500 a month until Trumpism is dead, then re-evaluate.
Anonymous
Post 04/03/2025 18:15     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 17:56     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 17:55     Subject: If you had $200K cash in an IRA today, what would you invest in?
Maybe you should buy some Euros. It is unlikely that the USD will recover soon.
Anonymous
Post 04/03/2025 17:54     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 17:44     Subject: If you had $200K cash in an IRA today, what would you invest in?
Half in gold/silver.
Anonymous
Post 04/03/2025 16:41     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 15:52     Subject: If you had $200K cash in an IRA today, what would you invest in?
I am still waiting for vti going lower lower before buying in slowly...
Anonymous
Post 04/03/2025 15:47     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 14:44     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 14:37     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 14:35     Subject: If you had $200K cash in an IRA today, what would you invest in?
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
Post 04/03/2025 14:14     Subject: If you had $200K cash in an IRA today, what would you invest in?
How far from retirement are you?
Anonymous
Post 04/03/2025 12:56     Subject: If you had $200K cash in an IRA today, what would you invest in?
I actually have this and am wondering the same thing. Pretty scared TBH. 4% in cash looks not terrible.
Anonymous
Post 04/03/2025 12:53     Subject: If you had $200K cash in an IRA today, what would you invest in?
WWYD?