Anonymous wrote:No, since 2000 when I greaduated college I have taken a fixed 25% of my net income and put it directly into a brokerage account. Over those 25 years the market has been up and down and recession and has crashed. As a result at this point at age 48 my income from the stock market far outpaces my w2 wage income. Money on the sideline is like living with a bum who doesn't work.

When you say "income," do you mean money you get from dividends? Do you reinvest that?

No, since 2000 when I greaduated college I have taken a fixed 25% of my net income and put it directly into a brokerage account. Over those 25 years the market has been up and down and recession and has crashed. As a result at this point at age 48 my income from the stock market far outpaces my w2 wage income. Money on the sideline is like living with a bum who doesn't work.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I took down risk by going half Target Date Fund my age plus 5 years and half S&P 500.

BY RMDs at 75 should be at point if stock market down sell TDF if market up sell S&P,

What is your thought process behind that?

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.

Nothing really wrong with that strategy. So she was basically rebalancing once a year when she did her RMD withdrawals. I just learned recently that there really isn't a difference between a TDF and holding separate stock and bond funds when it comes to making a withdrawal when the market is up/down due to how the TDF internally rebalances. I used to think (for 30 years lol) that it's better to hold a separate bond fund so that you can sell shares when the market is down, but I was wrong.

Anonymous wrote:I'm all-in. The Federal Reserve is about to fire up the printing press and you want to be holding assets, not cash.

Like the Supreme Court, the Federal Reserve accurately understands their job under the current administration. (I'm a hater but understand why they have backbones of wet spaghetti)

Keeping buying assets

Anonymous wrote:

Anonymous wrote:I took down risk by going half Target Date Fund my age plus 5 years and half S&P 500.

BY RMDs at 75 should be at point if stock market down sell TDF if market up sell S&P,

What is your thought process behind that?

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.

I'm all-in. The Federal Reserve is about to fire up the printing press and you want to be holding assets, not cash.

I don’t believe you OP. stocks only go up. And with this administration, they’re not gonna let stocks go down. They only have old people riding on their 401ks to keep the party going

Anonymous wrote:

Anonymous wrote:We've been contributing to our retirement accounts as normal, but I recently rolled over $$ from a former employer 401k plan into Vanguard and it's sitting in a money market account. I'm just not sure what to do with it, I'm not one to try to time the markets but it seems like a risky time to invest given the amount.

Why not just move it into S&P index fund over the course of a year in 12 equal installments? It’s probably not optimal, but gives you some comfort if there is a big drop.

I am DCAing in per week. The volatility is insane.

Anonymous wrote:I took down risk by going half Target Date Fund my age plus 5 years and half S&P 500.

BY RMDs at 75 should be at point if stock market down sell TDF if market up sell S&P,

What is your thought process behind that?

I took down risk by going half Target Date Fund my age plus 5 years and half S&P 500.

BY RMDs at 75 should be at point if stock market down sell TDF if market up sell S&P,

We have been ALL in (maxing 401ks/investing in taxable) since the 2007/2008.

Ups and downs are expected but I can tell you that we have ZERO regrets! Our portfolio shifts in noticeable amount on any given day but the returns (unrealized) have been amazing!

Anonymous wrote:We've been contributing to our retirement accounts as normal, but I recently rolled over $$ from a former employer 401k plan into Vanguard and it's sitting in a money market account. I'm just not sure what to do with it, I'm not one to try to time the markets but it seems like a risky time to invest given the amount.

Why not just move it into S&P index fund over the course of a year in 12 equal installments? It’s probably not optimal, but gives you some comfort if there is a big drop.

I was you last year. Bit the bullet around this time last year. I'm so happy I did. Up 20% or so vs. up 4% in money market. Makes up for being SAH.

We've been contributing to our retirement accounts as normal, but I recently rolled over $$ from a former employer 401k plan into Vanguard and it's sitting in a money market account. I'm just not sure what to do with it, I'm not one to try to time the markets but it seems like a risky time to invest given the amount.

Unlike many of you, I don't know what's going to happen with the market and, therefore, I am staying the course. So far, no regrets. I think my NW has grown at least 1 mil/year in recent years. Fool's money maybe but I am enjoying the ride.