Anonymous
10/28/2025 16:03
Subject: Late 40s people: Where are you putting new 401k contributions these days?
So, a bit past my late 40's at almost 51, but I rolled my past employees 401k over into an IRA that is heavily invested in the S&P500, probably 80% and then balanced out with other lower risk stuff.
Current work savings plan is getting dump into Roth and then balance into standard 401k. I'm pushing the max into those.
Current work savings plan is getting dump into Roth and then balance into standard 401k. I'm pushing the max into those.
Anonymous
10/28/2025 11:24
Subject: Late 40s people: Where are you putting new 401k contributions these days?
Late 40s here. Never got out and won't. Investing for kids now as they are getting their new jobs.
I'm really good at cutting back if needed. Even better at finding cash to buy any dip.
$7k-$8k to Roth as always and staying away from 401k/403b, traditional IRA.
I'm really good at cutting back if needed. Even better at finding cash to buy any dip.
$7k-$8k to Roth as always and staying away from 401k/403b, traditional IRA.
Anonymous
10/28/2025 11:04
Subject: Late 40s people: Where are you putting new 401k contributions these days?
If you are late 40s you still have many years of investing before retirement (and then after retirement!). At this age, make a plan and stick to it. Current events shouldn’t change your plan.
Anonymous
10/28/2025 10:48
Subject: Late 40s people: Where are you putting new 401k contributions these days?
Bumping this given the schizophrenic economy that we are currently experiencing.
Anonymous
04/01/2025 15:13
Subject: Late 40s people: Where are you putting new 401k contributions these days?
I rebalanced because I was all in on an index fund. Now I have some international exposure.
Anonymous
04/01/2025 08:15
Subject: Late 40s people: Where are you putting new 401k contributions these days?
Anonymous wrote:I'm staying out of stock funds until 2028 at least -- I don't trust Trump. Moved my money to high-quality U.S. bond funds.
I understand your hesitancy with the stock market given the tariffs and erratic economic policies. However, US government bonds backed by the full faith and credit of the US government. So if you are that concerned about everything collapsing I’m not sure US government bonds will be a save haven for your retirement account.
Anonymous
03/31/2025 15:50
Subject: Re:Late 40s people: Where are you putting new 401k contributions these days?
Anonymous wrote:Anonymous wrote:Anonymous wrote:I moved our existing retirement assets into a money market fund after the November runup and continue to invest into the S&P 500 on current contributions. So, I'm essentially guarding against and taking advantage of Trump's complete incompetence.
The market, especially the S&P, dropped substantially in 2022 before rebounding in 2023 and 2024. I wonder how many remember. Few, I'm sure. Memories are very short and selective. One thing life has told me is you cannot time the market. So I don't try. I'm sure the usual bobble heads on here will say Trump is a different story. My response is to shrug indifferently.
Exactly. You can’t reason with these lunatics.
“Trump is going to crash the markets! It’s time to sell everything and go to cash!”
“You know, it’s been documented beyond a shadow of a doubt that making investment decisions based on economic forecasts or political preferences invariably results in poor performance.”
“This time is different! Trump is unprecedented and hateful and racist and authoritarian and threatens the very existence of the United States!”
“There was quite literally was a precedent for this eight years ago, and the stock market actually did exceptionally well then. Again, you can’t successfully make investment decisions based on politics. You disagree with the current administration, but more than half of all voters across the entire country voted for Trump.”
“Oh yeah – well, did you know that Hitler was elected too?!!!”
“Lol, OK.”
Invest in stagflation if that works for you. Nobody cares.
Anonymous
03/31/2025 13:54
Subject: Re:Late 40s people: Where are you putting new 401k contributions these days?
Anonymous wrote:Anonymous wrote:I moved our existing retirement assets into a money market fund after the November runup and continue to invest into the S&P 500 on current contributions. So, I'm essentially guarding against and taking advantage of Trump's complete incompetence.
The market, especially the S&P, dropped substantially in 2022 before rebounding in 2023 and 2024. I wonder how many remember. Few, I'm sure. Memories are very short and selective. One thing life has told me is you cannot time the market. So I don't try. I'm sure the usual bobble heads on here will say Trump is a different story. My response is to shrug indifferently.
Exactly. You can’t reason with these lunatics.
“Trump is going to crash the markets! It’s time to sell everything and go to cash!”
“You know, it’s been documented beyond a shadow of a doubt that making investment decisions based on economic forecasts or political preferences invariably results in poor performance.”
“This time is different! Trump is unprecedented and hateful and racist and authoritarian and threatens the very existence of the United States!”
“There was quite literally was a precedent for this eight years ago, and the stock market actually did exceptionally well then. Again, you can’t successfully make investment decisions based on politics. You disagree with the current administration, but more than half of all voters across the entire country voted for Trump.”
“Oh yeah – well, did you know that Hitler was elected too?!!!”
“Lol, OK.”
Anonymous
03/31/2025 13:47
Subject: Re:Late 40s people: Where are you putting new 401k contributions these days?
Index funds, a little bond fund
I don’t keep cash in 401k or IRAs
I don’t keep cash in 401k or IRAs
Anonymous
03/31/2025 12:22
Subject: Late 40s people: Where are you putting new 401k contributions these days?
All the billionaires that sold their stock before the new administration are probably loading up on the downward trend!
Anonymous
03/31/2025 10:24
Subject: Re:Late 40s people: Where are you putting new 401k contributions these days?
Anonymous wrote:Anonymous wrote:I moved our existing retirement assets into a money market fund after the November runup and continue to invest into the S&P 500 on current contributions. So, I'm essentially guarding against and taking advantage of Trump's complete incompetence.
The market, especially the S&P, dropped substantially in 2022 before rebounding in 2023 and 2024. I wonder how many remember. Few, I'm sure. Memories are very short and selective. One thing life has told me is you cannot time the market. So I don't try. I'm sure the usual bobble heads on here will say Trump is a different story. My response is to shrug indifferently.
Then shrug. Nobody GAF.
Anonymous
03/31/2025 09:44
Subject: Late 40s people: Where are you putting new 401k contributions these days?
I'm staying out of stock funds until 2028 at least -- I don't trust Trump. Moved my money to high-quality U.S. bond funds.
Anonymous
03/31/2025 09:04
Subject: Late 40s people: Where are you putting new 401k contributions these days?
Keep investing as planned. Not throttling back.
Anonymous
03/31/2025 09:03
Subject: Re:Late 40s people: Where are you putting new 401k contributions these days?
Anonymous wrote:I moved our existing retirement assets into a money market fund after the November runup and continue to invest into the S&P 500 on current contributions. So, I'm essentially guarding against and taking advantage of Trump's complete incompetence.
The market, especially the S&P, dropped substantially in 2022 before rebounding in 2023 and 2024. I wonder how many remember. Few, I'm sure. Memories are very short and selective. One thing life has told me is you cannot time the market. So I don't try. I'm sure the usual bobble heads on here will say Trump is a different story. My response is to shrug indifferently.
Anonymous
03/30/2025 08:08
Subject: Re:Late 40s people: Where are you putting new 401k contributions these days?
I moved our existing retirement assets into a money market fund after the November runup and continue to invest into the S&P 500 on current contributions. So, I'm essentially guarding against and taking advantage of Trump's complete incompetence.