I’m holding UGL and gold miners like NUGT and they are doing well. Mainly because things are nuts. So it’s good and bad. Mainly bad probably but what the fk do I know. Anyone with a brain can see that gold is a hedge in uncertain times. Much better than Bitcoin or whatever. Everyone has been accustomed to a bull market for so long they have trouble grasping that maybe that’s coming to an end.

Anonymous wrote:SGOV for like a month or two. Things are so turbulent and choppy now. I’d wait to see if the market falls a bit then throw it in a 50% VTI / 50% VXUS mix.

We are holding more SGOV than we like, but with things so uncertain we are sitting tight for now.

Anonymous wrote:

Anonymous wrote:^^^ I should add that we might be retiring by the end of the year.

Do you have an emergency fund? Do you still plan on having one during retirement?

How many years worth of expenses is 500K?

We used to carry a significant emergency fund, but then started doing a T-bill ladder. Once T-bill rates started coming down, we reinvested that money (plus municipal bond money when that comes due) in SGOV for ease. Now, we have about 20K in actual cash. Once we stop working, we will probably bump that up.

Our comfortable annual expenses are 150K before taxes. We could bring this down to 120K (maybe 110K) if need be. Right now our health, home, umbrella, car and LTC insurances are our significant expenses. We own our home and our property taxes are low.

Anonymous wrote:SGOV for like a month or two. Things are so turbulent and choppy now. I’d wait to see if the market falls a bit then throw it in a 50% VTI / 50% VXUS mix.

Good choices, though most put a bit more in VTI (like 60/40) as that more closely reflects the world market and the US market's share of it.

SGOV for like a month or two. Things are so turbulent and choppy now. I’d wait to see if the market falls a bit then throw it in a 50% VTI / 50% VXUS mix.

Anonymous wrote:^^^ I should add that we might be retiring by the end of the year.

Do you have an emergency fund? Do you still plan on having one during retirement?

How many years worth of expenses is 500K?

^^^ I should add that we might be retiring by the end of the year.

We have gone 54/46 from 65/35. Most of the 46 is in SGOV and some municipal bonds. I am looking for something "safer" than VOO but with more growth potential than SGOV. I think for 5 years, that would be a good place to be.

give it to me. I'll invest it real good for you.

If I have a 5-yr timeline, or longer, I put it all in a low-cost S&P500 index fund.

What will you need it for in five years?

Markets uncertain, interest rates good-not-amazing. Assume don't need for anything for ~5 years.

VOO and call it a day? In *this* economy??