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My retirement is invested aggressively and I had a wild ride last year--I resisted any temptation to tinker with it. Had a 15% or so up and then followed by a 20% or so down, just to finish in black for the year somewhere in the neighborhood of -0.7%. Some 35% swing!
Fast forward 2012, I am up some 13% for YTD. I wonder if we are going to see the same movie this year too . I know nobody know what's going to happen in the coming months but just wondering ...
My retirement is invested aggressively and I had a wild ride last year--I resisted any temptation to tinker with it. Had a 15% or so up and then followed by a 20% or so down, just to finish in black for the year somewhere in the neighborhood of -0.7%. Some 35% swing!
Fast forward 2012, I am up some 13% for YTD. I wonder if we are going to see the same movie this year too . I know nobody know what's going to happen in the coming months but just wondering ...
What are your allocations? My 401k is 80% stocks, 15% bonds, and 5% cash. It is +8% YTD. Just curious. . .
I guess we can have another wild ride.....I mean nobody knows exactly what will happen and if they say they do, they're lying.
I am in the accumulation stage so I want to buy shares that are lower.
All you can do is stay the course, and don't take on more risk that you have the willingness, need, or ability to take on.
I use my ROI as a risk metric and to determine the cost of any value I may be creating by actively managing** my portfolio. For instance, if my ROI is too high relative to my benchmark then I'm carrying too much risk. If it's too low then I'm adding negative value to my portfolio.
The objective is to outperform the benchmark by a margin that compensates me to the extent that it is an economical use of my time. No more, no less.
**I use the term "actively managing" very loosely. Generally, most of my time is spent monitoring allocations, listening to conference calls and reading 10k's, and occasionally adjusting the level of risk I'm willing to take.
I use my ROI as a risk metric and to determine the cost of any value I may be creating by actively managing** my portfolio. For instance, if my ROI is too high relative to my benchmark then I'm carrying too much risk. If it's too low then I'm adding negative value to my portfolio.
The objective is to outperform the benchmark by a margin that compensates me to the extent that it is an economical use of my time. No more, no less.
**I use the term "actively managing" very loosely. Generally, most of my time is spent monitoring allocations, listening to conference calls and reading 10k's, and occasionally adjusting the level of risk I'm willing to take.
If you're not comfortable with the seeming teetering point that the market is at, re-allocate to more risk-averse fund options in your 401k (eg. low yield MM accounts).
All depends on your time-frame and risk tolerance; from your current allocations, I'm guessing you're on the younger side...
The next time the sheep run for the exit I intend to push about 100k into equities. Just waiting for the (inevitable) over-reaction to the next correction.
Otherwise, I'm a long-term stay the course type guy since I'm still 15+ from retirement.
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. I know nobody know what's going to happen in the coming months but just wondering 
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