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Started By
Message
Is anyone rebalancing 401k investments during this downtown?
Posted on 6/14/22 at 9:04 am
Posted on 6/14/22 at 9:04 am
If so, to what find of investments? Bonds?
8
Posted on 6/14/22 at 9:04 am to Clint Torres
Don't do that. Stop looking at it. 
Posted on 6/14/22 at 9:10 am to FieldEngineer
quote:
Stop looking at it.
I wish it were that easy for me. I have to look at the balances every 2 weeks when I process payroll...so depressing some weeks
Posted on 6/14/22 at 9:11 am to FieldEngineer
Let’s say that you’re willing to accept any risk that you’re wrong but believe that the market continues to slide for 6 months, where would you move your balance?
Posted on 6/14/22 at 9:22 am to Clint Torres
I'm doing the only sensible thing at this point and burying my head in the sand for the next year or so. I'll peek out then and see how things are going.
Posted on 6/14/22 at 9:23 am to Clint Torres
I raised my contribution by 6%. Time to load up on the way down.
Posted on 6/14/22 at 9:28 am to Clint Torres
I have some individual oil stocks that I have rebalanced twice in the last few months. Don’t want those to become too large in my portfolio so I have sold a chunk and reallocated those funds to some beaten down etfs
Posted on 6/14/22 at 10:24 am to Clint Torres
Should rebalance to your allocation profile every year, not necessarily when shock wave hits. In fact, now is probably a bad time to do so.
Bad policy is fine tuning due to the atypical at the expense of keeping to the long view.
I am just an investor, not professional financial planner, so take my 2 cents worth as such.
Bad policy is fine tuning due to the atypical at the expense of keeping to the long view.
I am just an investor, not professional financial planner, so take my 2 cents worth as such.
Posted on 6/14/22 at 11:28 am to Clint Torres
(no message)
This post was edited on 10/26/22 at 9:33 am
Posted on 6/14/22 at 11:29 am to DaTruth7
(no message)
This post was edited on 10/26/22 at 9:32 am
Posted on 6/14/22 at 11:45 am to Clint Torres
Changed job mostly cash
Going to market time
Going to market time
Posted on 6/14/22 at 2:06 pm to thelawnwranglers
losing a bunch so i bumped up 12% and all in Roth so i can hopefully make it up not only in the next 10 years but also benefiting from the tax rate.
Posted on 6/14/22 at 2:17 pm to Clint Torres
quote:
Is anyone rebalancing 401k investments during this downtown?
Yes. My portfolio was 80/20 stocks and bonds. The stocks were in DRGVX which has WAY outperformed the s&p. I am now 100% in an s&p total market fund. I expect it to continue to go down more, but I've already made 15% just by buying the s&p on the cheap.
Posted on 6/15/22 at 3:59 am to footballdude
quote:
where would you move your balance?
IF you can go back in time 6 months, then go ahead and move your balance. Way too late to do it now.
Did just that moved all my 403b, IRA into TLDTX etc. 6 months ago; liquid into physical gold.
Not many listened to me, but those who did sure are relieved.
Posted on 6/15/22 at 7:36 am to Warfox
quote:
Not many listened to me, but those who did sure are relieved.
Why are they relieved? Unless you provide the precise time to get back into they market they should be far from relieved. In fact most people in this scenario will be completely stressing on when to get back in.
Posted on 6/15/22 at 7:39 am to bod312
quote:
Why are they relieved?
because if they get back in today they just saved 20% of their investment.
This post was edited on 6/15/22 at 7:41 am
Posted on 6/15/22 at 8:11 am to Clint Torres
I increased how much I contribute to mine. I have one fund in it - Charles Schwab’s S&P 500 fund. A 401k is meant to build wealth, not preserve whatever you currently have - unless you’re 50-55 right now.
Posted on 6/15/22 at 8:15 am to Guntoter1
quote:
because if they get back in today they just saved 20% of their investment.
But whenever they get back in, if it’s at a higher price than their original average cost basis, they lose out on exponential growth in the future. Because they’re stupid.
I learned my lesson in 2008. I panicked and liquidated my $3,000 I had in the market at the time (I was a senior at LSU). Sure, I missed out on the worst if that crash but that money would be worth so much more today than the amount I “saved” by taking it out. Let my prior stupidity be your lesson. That is guiding me through these current times. I’m not panicking this time as I have far much more now than then and I can’t afford to frick myself over now like I did then.
This post was edited on 6/15/22 at 8:19 am
Posted on 6/15/22 at 8:50 am to TDsngumbo
Original statement
I’d keep the word stupid out of your vocabulary
quote:your statement
because if they get back in today they just saved 20% of their investment.
quote:this is such bs it’s staggering. I sell 1000 shares at $100 then buy back with my 100k at $80 a share I’ve got 1,250 shares. How in the fk and I gonna lose on futures earnings?
But whenever they get back in, if it’s at a higher price than their original average cost basis, they lose out on exponential growth in the future
I’d keep the word stupid out of your vocabulary
This post was edited on 6/15/22 at 8:55 am
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