I know it’s stupid to try and time the market, but what about reducing 401K contributions?

Catching your breath after throwing up on your shoes before you look in the mirror and pick your head up.

That’s what buying low feels like.

I never put more than the company match because I'd rather contribute to a ROTH with anything extra. I have like 15 mutual funds to choose from in my 401k. I can invest money in my ROTH in pretty much anything I'd like.

Why would you want to lessen contributions when shares are cheaper?

Are you young? Or retiring soon? If young… I completely agree with Adam.

quote:

---

Why would you want to lessen contributions when shares are cheaper?

---

Now, if you’re worried about losing your job, and need the extra cash available as an emergency, then this could make sense. But if you’ve got a lot of investing life left, buy more now than ever. If it continues to go even lower, but even more. (Assuming you can afford to).

I once saw a quote, perhaps on here, which said “the only thing people hate buying when it’s on sale are stocks”.

You're getting more stocks for the same price.

For some reason, stocks are the one thing people hate to buy when they're on sale.

If you’re not near retirement age, and years away from penalty free 401k withdrawals, why would you stop contributing and buying discounted shares/more units?

quote:

---

but what about reducing 401K contributions?

---

Too late for that.

i don't want to lessen my contributions, but anyone change their managed funds to a more stable fund? I have a target date of 2045, long way from retirement. Im tired of loosing money since the egg head has been in office.

quote:

---

I know it’s stupid to try and time the market, but what about reducing 401K contributions?

---

Counterpoint: increase contributions when market is down.

I think people are backwards most of the time. Buy low sell high.

If you have Roth's maxed and can afford to max your 401k why wouldn't you? You can put it in safer investments if you want to.