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Old 02-27-2017, 02:15 PM
 
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I plan to work about one more year before retiring and am wondering if I should increase the amount of money I invest in our DC program while I still can. Or is this a bad time to play the stock market?
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Old 02-27-2017, 03:15 PM
 
Location: Eastern Washington
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Are you talking 401K or similar? Most 401K plans have a "stable value" fund, i.e. a money market, you can use that if you think the stock market is in a bubble.

Without knowing a lot more about your overall financial situation, and your eventual goals, I can't say if increasing DC (and if so, by how much) is a good move at this time for you.
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Old 02-27-2017, 03:40 PM
 
Location: SoCal
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What's D.C. Program?
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Old 02-27-2017, 04:00 PM
 
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See: title of thread. Pre-tax dollars diverted from paycheck to 401k account.
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Old 02-27-2017, 04:07 PM
 
Location: SoCal
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Oh I see, I need to wake up. I would say yes. Warren Buffet said we are not in a bubble.
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Old 02-27-2017, 04:08 PM
 
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So it's "safe" to invest in the stock market? As "safe" as it ever is, that is...
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Old 02-27-2017, 04:14 PM
 
Location: Eastern Washington
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Well, if it's a 401K, do you have a "stable value" option? If you think the market is in a bubble, it's your money, you don't have to go there, just go with the money market option. I have never seen a 401K that did not offer this option. If you expect to be drawing from the 401K within a few years, I think that means maybe staying away from stocks might make some sense.

You have not provided anything like enough information to be able to discuss if making a "catch up" contribution makes sense for your current situation.
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Old 02-27-2017, 04:17 PM
 
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Honestly, I don't understand it myself... :P
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Old 02-27-2017, 04:18 PM
 
Location: SoCal
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It depends, do you need this money when you retire next year? What is your current asset allocation? And how old are you? If you are youngest, you need to have money in the stock market. At least 25%. Otherwise you won't keep up with inflation.
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Old 02-27-2017, 04:23 PM
 
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This program is sort of "stock market for dummies"; most of us just go with the standard safe-ish investments the agency chooses and don't play around with it. Honestly, I have zero interest in it, but it's one of the few ways to EARN some interest these days. I don't "need" it to retire, but neither do I wish to lose it.
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