Anonymous
Post 07/11/2025 22:40     Subject: “I’m scared to retire into a bear market”
My parents really took a risk and did it right. After a very successful middle class life they built in the US they went back to Colombia and spent ages 55-70 there. They lived quite well off my father’s VERY modest pension. In the meantime their retirement savings remained untouched and nearly tripled. They saved their house here in the US and rented it out and then 1031x it into a new property in a very nice retirement community, which they just moved into.

I’m not sure what the market is, but they seem to have played it well and have lived the 2nd half of their lives very well.
Anonymous
Post 07/11/2025 17:54     Subject: “I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:We put everything in funds focusing on preservation of capital in 2019. Turns out it worked well for us.
Be more explicit, you put everything in bonds for CDs? Why on earth would you do that?? Diversification is important so all in one thing usually isn't the best choice. Market is at all time highs and folks are worried about Trump and his tariffs. Don't you realize he will be gone in 3 years and the tariff talk is all white noise. As a long time stock market observer, you guys just watch too much news and are easily influenced by all the pundits. I know Trump is all on your minds, but follow company earnings , the FED moves, unemployment, and measures of GDP. Just relax, the market will fluctuate, Trump will talk, and the sun will rise the next day.

Having 1-2 years of liquid assets not in the market is a great hedge while retired, esp if you anticipate the need to spend this cash. You don't want to have to sell in a bear crisis or hug market drop.



1-2 years of liquid assets is something. TIPS ladders are a standard strategy that works well. You buy TIPS with staggered maturity dates - for example, bonds maturing in 1, 3, 5, 7, and 10 years. As each bond matures, you either spend it because the market is down and you need it, or you reinvest the proceeds into a new TIPS at the long end of the ladder, maintaining the structure.
Anonymous
Post 07/11/2025 17:49     Subject: “I’m scared to retire into a bear market”
Anonymous wrote:We put everything in funds focusing on preservation of capital in 2019. Turns out it worked well for us.
Be more explicit, you put everything in bonds for CDs? Why on earth would you do that?? Diversification is important so all in one thing usually isn't the best choice. Market is at all time highs and folks are worried about Trump and his tariffs. Don't you realize he will be gone in 3 years and the tariff talk is all white noise. As a long time stock market observer, you guys just watch too much news and are easily influenced by all the pundits. I know Trump is all on your minds, but follow company earnings , the FED moves, unemployment, and measures of GDP. Just relax, the market will fluctuate, Trump will talk, and the sun will rise the next day.

Having 1-2 years of liquid assets not in the market is a great hedge while retired, esp if you anticipate the need to spend this cash. You don't want to have to sell in a bear crisis or hug market drop.

Anonymous
Post 07/11/2025 16:22     Subject: Re:“I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:DH and I are looking to retire in the next 4-5 years. Best case scenario is the American public elects a new administration that is interested in re-building what has been destroyed, and our coast into retirement should be pretty robust. Fingers crossed America!


Market is doing pretty well at the moment, FYI. Suggest you leave aside your hysterical fears. Anyone who tries to make their investment planning based on a single administration (and thus guided more by irrationality than realism) is most likely going to lose money.


PP didn’t say they were changing investment strategy. They’re just looking forward to moving past the moron in office.


DH and I will retire in 4-5 years regardless of who is in office, but we will rest easier knowing America is back on track. We are really hoping health care is not further hollowed out in the intervening time.


Never say never, but it can't get any worse than what we have now. The markets are dipping again because the moron needs attention and has resurfaced his idiot tariff "strategy".



I'm intelligent enough not to pay attention to cherrypicked / edited clips on twitter. And you haven't answered the question. What will you do if Vance is the next president and serves eight full years. There's a good chance it will happen. If you don't trust the administration then you need to figure out what you will do for the next 11 years.
Oh, it can be a whole lot worse. I am amazed at the cluelessness of people with TDS.

What will you do if Vance is president in 2028? And serves a full eight years? See, even your paranoia can't plan for it.


You watched the above and are claiming TDS? He's a moron with no plan, no strategy.
Anonymous
Post 07/11/2025 15:54     Subject: Re:“I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:DH and I are looking to retire in the next 4-5 years. Best case scenario is the American public elects a new administration that is interested in re-building what has been destroyed, and our coast into retirement should be pretty robust. Fingers crossed America!


Market is doing pretty well at the moment, FYI. Suggest you leave aside your hysterical fears. Anyone who tries to make their investment planning based on a single administration (and thus guided more by irrationality than realism) is most likely going to lose money.


PP didn’t say they were changing investment strategy. They’re just looking forward to moving past the moron in office.


DH and I will retire in 4-5 years regardless of who is in office, but we will rest easier knowing America is back on track. We are really hoping health care is not further hollowed out in the intervening time.


Never say never, but it can't get any worse than what we have now. The markets are dipping again because the moron needs attention and has resurfaced his idiot tariff "strategy".



Oh, it can be a whole lot worse. I am amazed at the cluelessness of people with TDS.

What will you do if Vance is president in 2028? And serves a full eight years? See, even your paranoia can't plan for it.


You watched the above and are claiming TDS? He's a moron with no plan, no strategy.
Anonymous
Post 07/11/2025 14:46     Subject: “I’m scared to retire into a bear market”
We put everything in funds focusing on preservation of capital in 2019. Turns out it worked well for us.
Anonymous
Post 07/11/2025 14:24     Subject: Re:“I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:DH and I are looking to retire in the next 4-5 years. Best case scenario is the American public elects a new administration that is interested in re-building what has been destroyed, and our coast into retirement should be pretty robust. Fingers crossed America!


Market is doing pretty well at the moment, FYI. Suggest you leave aside your hysterical fears. Anyone who tries to make their investment planning based on a single administration (and thus guided more by irrationality than realism) is most likely going to lose money.


PP didn’t say they were changing investment strategy. They’re just looking forward to moving past the moron in office.


DH and I will retire in 4-5 years regardless of who is in office, but we will rest easier knowing America is back on track. We are really hoping health care is not further hollowed out in the intervening time.


Never say never, but it can't get any worse than what we have now. The markets are dipping again because the moron needs attention and has resurfaced his idiot tariff "strategy".



Oh, it can be a whole lot worse. I am amazed at the cluelessness of people with TDS.

What will you do if Vance is president in 2028? And serves a full eight years? See, even your paranoia can't plan for it.
Anonymous
Post 07/11/2025 13:52     Subject: “I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:We’re planning on having 3-4 years of extra cash available to manage a bear market at the start of retirement. Best we can do


+1 we will retire in 5 years and the first 4 years of spending is not in the market, it's in high yield savings to keep up with inflation. But we are still investing for the long term in stocks. My current 401k contributions all go to stock.


And our overall allocation is about 60% stock so we're also covered in the bond portion for the risk of a longer-term down market.
Anonymous
Post 07/11/2025 13:51     Subject: “I’m scared to retire into a bear market”
Anonymous wrote:We’re planning on having 3-4 years of extra cash available to manage a bear market at the start of retirement. Best we can do


+1 we will retire in 5 years and the first 4 years of spending is not in the market, it's in high yield savings to keep up with inflation. But we are still investing for the long term in stocks. My current 401k contributions all go to stock.
Anonymous
Post 07/11/2025 13:41     Subject: Re:“I’m scared to retire into a bear market”
Most people here apparently don't know Jack about investing or history. The stock market can post negative returns for over a decade. Yes, this may or may not be technically a "bear market." But you're smoking some good stuff if you think a year or two of bonds is going to give you much protection during really bad times.
Anonymous
Post 07/11/2025 12:48     Subject: “I’m scared to retire into a bear market”
Anonymous wrote:We both retired 4 years ago at 55. I just checked my retirement accounts and it's up 35% since then.
It crashed in 2020 during Trump's covid crash. So yeah, it's was way down,
Anonymous
Post 07/11/2025 12:48     Subject: Re:“I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:DH and I are looking to retire in the next 4-5 years. Best case scenario is the American public elects a new administration that is interested in re-building what has been destroyed, and our coast into retirement should be pretty robust. Fingers crossed America!


Market is doing pretty well at the moment, FYI. Suggest you leave aside your hysterical fears. Anyone who tries to make their investment planning based on a single administration (and thus guided more by irrationality than realism) is most likely going to lose money.


PP didn’t say they were changing investment strategy. They’re just looking forward to moving past the moron in office.


DH and I will retire in 4-5 years regardless of who is in office, but we will rest easier knowing America is back on track. We are really hoping health care is not further hollowed out in the intervening time.


Never say never, but it can't get any worse than what we have now. The markets are dipping again because the moron needs attention and has resurfaced his idiot tariff "strategy".

Anonymous
Post 07/11/2025 12:26     Subject: Re:“I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:DH and I are looking to retire in the next 4-5 years. Best case scenario is the American public elects a new administration that is interested in re-building what has been destroyed, and our coast into retirement should be pretty robust. Fingers crossed America!


Market is doing pretty well at the moment, FYI. Suggest you leave aside your hysterical fears. Anyone who tries to make their investment planning based on a single administration (and thus guided more by irrationality than realism) is most likely going to lose money.


PP didn’t say they were changing investment strategy. They’re just looking forward to moving past the moron in office.


DH and I will retire in 4-5 years regardless of who is in office, but we will rest easier knowing America is back on track. We are really hoping health care is not further hollowed out in the intervening time.
Anonymous
Post 07/11/2025 12:02     Subject: Re:“I’m scared to retire into a bear market”
Anonymous wrote:
Anonymous wrote:DH and I are looking to retire in the next 4-5 years. Best case scenario is the American public elects a new administration that is interested in re-building what has been destroyed, and our coast into retirement should be pretty robust. Fingers crossed America!


Market is doing pretty well at the moment, FYI. Suggest you leave aside your hysterical fears. Anyone who tries to make their investment planning based on a single administration (and thus guided more by irrationality than realism) is most likely going to lose money.


PP didn’t say they were changing investment strategy. They’re just looking forward to moving past the moron in office.
Anonymous
Post 07/11/2025 11:01     Subject: Re:“I’m scared to retire into a bear market”
Anonymous wrote:DH and I are looking to retire in the next 4-5 years. Best case scenario is the American public elects a new administration that is interested in re-building what has been destroyed, and our coast into retirement should be pretty robust. Fingers crossed America!


Market is doing pretty well at the moment, FYI. Suggest you leave aside your hysterical fears. Anyone who tries to make their investment planning based on a single administration (and thus guided more by irrationality than realism) is most likely going to lose money.