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Market Ceiling? When to start lowering your risk profile?
Posted on 2/6/15 at 11:18 am
Posted on 2/6/15 at 11:18 am
I've only started one or two threads here but as an update I've got holdings in VWINX,VWELX, VGHCX, VGENX, VHDYX and VFSTX.
So I've started to more actively research everything about the market and I can't help but notice where the market is at in terms of historical figures. There aren't really any signs of a slow down but being a relatively new investor and having major milestones completed that we were saving for in ST, home, marriage etc. I am looking to pump excess non-retirement savings into the market.
Maybe it's because I'm new, maybe I've got a bit of chicken-little in me, but looking at the market's near historical highs now is it still smart to be putting money in 60/40 stock funds when your basis would be so high? I'm a little more inclined to be bond heavy in the ST but the threat of rising interest rates is a consideration there as well.
What are your thoughts on the market? Entering right now with high basis? Bonds in ST?
So I've started to more actively research everything about the market and I can't help but notice where the market is at in terms of historical figures. There aren't really any signs of a slow down but being a relatively new investor and having major milestones completed that we were saving for in ST, home, marriage etc. I am looking to pump excess non-retirement savings into the market.
Maybe it's because I'm new, maybe I've got a bit of chicken-little in me, but looking at the market's near historical highs now is it still smart to be putting money in 60/40 stock funds when your basis would be so high? I'm a little more inclined to be bond heavy in the ST but the threat of rising interest rates is a consideration there as well.
What are your thoughts on the market? Entering right now with high basis? Bonds in ST?
2
Posted on 2/6/15 at 11:27 am to Larry Gooseman
quote:
maybe I've got a bit of chicken-little in me,
At least you don't have any little red hen in you.
Posted on 2/6/15 at 11:59 am to Larry Gooseman
My opinion is not a good idea to TRY and time the market. The best in the business can't do it consistently. Keep doing regular investments and if a crash, the DCA. That should be long term investments anyway.
Just my $.02.
Just my $.02.
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