Who has moved their 401K into cash? (bond, Vanguard, stocks) - Investing -stocks, bonds, mutual funds, trading, market, brokers... - Page 6 - City-Data Forum

DonaldJTrump · 03-10-2020, 09:08 AM

nope.

continuing to dollar cost average $60,000 over the year into 401k and IRA

stonks always go back up. we'll be back to dow 30,000 in no time

Returning2USA · 03-10-2020, 10:28 AM

Quote:

Originally Posted by TexasLawyer2000

Curious... why would you assume ALL 401Ks have the same options? Custodians and employers have flexibility in what they allow you to invest in.

With my [traditional] 401K, I can purchase stocks directly. With my solo 401K, I can invest in businesses and rental properties (which I cannot do with the traditional 401k).

Fair question and thanks for your response TL2K

It's because I haven't had a 401K in many years.

I'm investing outside of it.

mathjak107 · 03-10-2020, 10:31 AM

our 401k has very low cost vanguard funds ... they are actually cheaper then i can get as admiral since they are institutional class

blahblahyoutoo · 03-10-2020, 11:41 AM

Quote:

Originally Posted by Returning2USA

I've had two 401Ks in the past and don't recall if I had that option b/c then, it never came up.

I would assume ALL 401Ks have this option, just in case a person wants it utilize it.

If not, what a rigged game.

unless it's a self directed brokerage, no, almost none have "CDs".
they will have some cash equivalent like a money market though.

NewbieHere · 03-10-2020, 01:21 PM

Stable Value Fund is the equivalent of MMM but I think they are slightly better.

SaraR. · 03-10-2020, 01:32 PM

Everyone says timing the mkt is bad. I actually agree however it's not like we don't know the S&P will be decreasing (even if it has a few good days sprinkled in) for a while. This is a unique time in history. This is a plague with oil prices in funk

Even if a vaccine is reported tomorrow w/some momentum gained, it will be deflated by the fear mongering media. They love to report on all the deaths.

If the S&P has only backtracked to October 19th levels of last yr, that is not saying much considering how good it did in 2019. I think waiting is the wisest choice. Still seems over-valued. JMHO

DonaldJTrump · 03-10-2020, 02:28 PM

Quote:

Originally Posted by SaraR.

Everyone says timing the mkt is bad. I actually agree however it's not like we don't know the S&P will be decreasing (even if it has a few good days sprinkled in) for a while. This is a unique time in history. This is a plague with oil prices in funk

Even if a vaccine is reported tomorrow w/some momentum gained, it will be deflated by the fear mongering media. They love to report on all the deaths.

If the S&P has only backtracked to October 19th levels of last yr, that is not saying much considering how good it did in 2019. I think waiting is the wisest choice. Still seems over-valued. JMHO

actually, it has backtracked to jan 5 , 2018 levels when it hit 2,734 sometime that day.

mathjak107 · 03-10-2020, 02:30 PM

Quote:

Originally Posted by DonaldJTrump

actually, it has backtracked to jan 5 , 2018 levels when it hit 2,734 sometime that day.

The raw s&p numbers include no dividends so you cannot just look at numbers alone ....

NewbieHere · 03-10-2020, 02:52 PM

VTI is back to April 2019.

DonaldJTrump · 03-10-2020, 03:08 PM

Quote:

Originally Posted by NewbieHere

VTI is back to April 2019.

actually vti hit an all time high of 138.68 back in dec 18, 2017. not counting the dividends of course