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A lot. But I don't buy index funds, I buy individual companies. So the stock market overall has almost ZERO effect on how my investments do. What matters is how well the CEOs run the companies I own.
So in 2008 all the well run company's stocks stayed up?
Maybe 10 or 20%. In my retirement plan I sold lots of stock...at a gain...and bought bonds a few months ago. I'm sure things will be fine, but I'm not in a position to lose money.
About 70%, and I'm 65 years old. I'm comfortable with that- SS and a couple of small ($900 monthly each) pensions would cover my fixed expenses in a down market. I'd just have to cut back on travel and charity, which make up a very large % of my spending each year, and put less in the granddaughters' 529s.
Another "safety valve" would be to file for SS on my own record- currently collecting Survivor benefits on DH's- but I'd rather wait till age 70.
maybe 28% is in the houses, 7% to 10% in the bank, maybe 75% or 80% of the 401k is in the market. There some stuff in a IRA that I don't know what the hell it is. Over all it's more than I'm supposed to have. All figured from memory, memory changes every time I try it. If I figure this out 6 times I'll get 6 different sets of percentages. All subject to 10% error.
didn't count cars. maybe 3%, except for my E-Type
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