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Started By
Message
re: 2 year inverted yield curve
Posted on 4/22/24 at 9:44 am to Tomatocantender
Posted on 4/22/24 at 9:44 am to Tomatocantender
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
8
Posted on 4/22/24 at 9:54 am to Crescent Connection
quote:
Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
Good luck timing it.
Assuming basically the majority of your 401K type investments are just broad index funds and your current age, I see no reason not to just continue like normal. Will be a blip on the radar at the end of the road.
Posted on 4/22/24 at 10:33 am to Crescent Connection
quote:
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
For my 401k, this is The Year of the Money Markets. All of my new allocations have been going into VFVXX or SPRXX. That said, I'm still holding my dividend stocks (since almost all of them reinvest).
I'm risk-averse so while some here were making good bank on the bulls earlier in the year, I was getting ready for what I believe is coming. That said, I'm not entirely convinced we're into the early stages of the shite yet (waiting to see Unemployment moving upward above 4% with momentum).
Posted on 4/22/24 at 12:15 pm to Crescent Connection
quote:Extremely foolish. I could see maybe making the portfolio less aggressive, but trying outright to time?
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
Posted on 4/22/24 at 12:21 pm to Crescent Connection
quote:
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
Same thing was said by Many on this Board back in 2022. How did that strategy work out? Not saying it wont happen because it could but agree with the other posters trying to time this market is a losing battle.
Posted on 4/22/24 at 12:35 pm to Crescent Connection
quote:
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
I was 27 when 2008 hit. My 401 cut 50 percent in a few months. I always said that I should have seen it coming. But that’s always easy after you know the result. In reality virtually nobody times it right.
However, as 2008-2012 played out I upped my percentage to the highest I could afford and I bought discounted funds for years.
Also I put 5 percent in a govt bond fund that I used to jump into the market for buying on abnormally large stock falls. I’ve used it once and put a pretty large amount in the market in mid April of the Covid year. I invested in Tesla, Exxon, delta, and carnival. After a year and a piece I sold and put it back in the govt bond fund. I’m ready to pounce again while gaining a small amount of interest with the money that’s in that side fund.
Posted on 4/22/24 at 2:09 pm to Crescent Connection
quote:So you have 20-25+ year horizon and you are thinking about trying to time this thing? That is beyond crazy. 5 year horizon? I can understand the move. 25 years? No fricking way
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
Posted on 4/22/24 at 10:06 pm to Crescent Connection
quote:
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
When stock prices drop, they are on sale. Why on earth would you want to miss out on cheaper prices?
Posted on 4/27/24 at 10:56 am to Crescent Connection
quote:
I'm racking my brains over this. I'm 39. Tempted to put all future 403b/401k contributions for my wife and I into money market/cash starting this week with the anticipation of a hard recession similar to 2007-2009. I would not touch all current investments. Reassess 14-18 months out? Wise or foolish?
Keep going as normal
If we do have a drastic dip I would increase your contribution rate to as much as you can reasonably afford at that point
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