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I tell people that in the closed FB group I am in all the time. I have to remind those getting ready to pull the plug soon to reconsider their high equity positions.
The market is always "risky".
Can you imagine the fear expressed on this board back in March of 2009!?!? lol omg..I so wish I was here for that..point is when it feels "risky" is probably time to load up........we are in a bull market and the fear is still very high! I find it interesting!
How much you invest in equites is a personal decision and risk tolerance plays a large role. There's a lot of good information on this forum, but sometimes we err in thinking our opinion is the 'best' or 'only' way. The truth is it is impossible to know others' financial situation, propensity to risk, etc. That's why I'm a huge advocate of financial planning. If you don't have the propensity to do it yourself, then a fee-based financial planner is worth the $.
I tell people that in the closed FB group I am in all the time. I have to remind those getting ready to pull the plug soon to reconsider their high equity positions.
at what point do you consider equity levels high ?
The market is always "risky".
Can you imagine the fear expressed on this board back in March of 2009!?!? lol omg..I so wish I was here for that..point is when it feels "risky" is probably time to load up........we are in a bull market and the fear is still very high! I find it interesting!
Those threads are still available
Search a topic
Or just go back in thread count
at what point do you consider equity levels high ?
75% equities is too high. It is too low below 40% but it all depends on the amount of the savings (tIRA/Roth or 401k) and what other income is coming in. In me I would rather have the hold the principle harder than a large growth. I don't plan on spending hard but also not wanting to leave a large pot at the end for my ungrateful daughter. So I plan on using it up.
75% equities is too high. It is too low below 40% but it all depends on the amount of the savings (tIRA/Roth or 401k) and what other income is coming in. In me I would rather have the hold the principle harder than a large growth. I don't plan on spending hard but also not wanting to leave a large pot at the end for my ungrateful daughter. So I plan on using it up.
For many of us near or in retirement, it becomes more about capital preservation and less about accumulation. With that said, you've got to make sure you have enough to cover projected expenses, adjusted for inflation.
75% equities is too high. It is too low below 40% but it all depends on the amount of the savings (tIRA/Roth or 401k) and what other income is coming in. In me I would rather have the hold the principle harder than a large growth. I don't plan on spending hard but also not wanting to leave a large pot at the end for my ungrateful daughter. So I plan on using it up.
quite a few do use 75% over on the early retirement forum who are not retired early but it is to high for my head . i like 40-60% and so do most retirees who have assets they can invest . it is pretty much the standard range .
You're too young to know then or just started following the markets lately.
No not too young at all. You just bloviated a lot of nonsense with blatant misinformation
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