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re: Changing 401k investments to avoid losses
Posted on 8/15/13 at 12:16 pm to AndyCBR
Posted on 8/15/13 at 12:16 pm to AndyCBR
quote:
I've looked into some gold backed IRAs but it seems like the fees are pretty steep. I would think the Gold bubble would burst eventually also.
Making moves in and out of the market in a 401K is STUPID. Not saying you're stupid, but as you said yourself:
I'm in my 40's and have time to ride the ups and downs in the market
Then stop worrying, give yourself a break and enjoy the ride.
quote:
I would like to avoid having my retirement investments cut in half again.
It wasn't cut in half unless you panicked and sold everything during the crisis. If you left everything alone in the market, you have not only regain every penny you lost, you're up over 50% since March 1, 2009, and if you were buying during the downturn and at the bottom, you're up considerably more than that.
Stay the course, it works.
Posted on 8/15/13 at 2:23 pm to Vols&Shaft83
I'm with the OP and am considering moving some of my portfolio into more stable funds. I wont change my future contributions (i.e. I'll still buy the same funds, thus if the market does go down I'm buying at a lower cost), but I am going to re-distribute some of my current holdings into a stable fund that is almost essentially a cash fund- I think it's technically a stable bond fund. It doesnt move much, but thats better than watching my current holdings drop like a rock during the big dip.
Posted on 8/15/13 at 7:22 pm to Vols&Shaft83
quote:
It wasn't cut in half unless you panicked and sold everything during the crisis.
this
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