So, I have a Lincoln financial account and in late December I moved all of my money into a fund of 100% stocks and have seen awesome growth (as I’m sure everyone has.)

I am planning on riding It out pst the China Trade Deal and then early summer converting over into something more conservative. I was thinking bonds but that Reaganomics guy stated bonds are no good with “doomsday” coming.

I only have like 22 options to choose from but I would love to limit my losses as much as possible when this next contraction comes. Im a few decades from retirement but am just trying to be proactive in developing wealth.

This maybe a stupid post as everybody is looking for this Golden Goose but I was just hoping to gain some of your thoughts. I’ve gained a lot from this forum over the last year.

Thanks!

This post was edited on 2/22/19 at 8:50 pm

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Posted by 3morereps

The Gym

Member since Jun 2015

6735 posts

Posted on 2/23/19 at 5:29 pm to DoubleDawg22

Time in the market > timing the market

Find an allocation that matches your risk tolerance and time horizon and let it roll.

There have been hundreds of studies that have found those who attempt to time the market, jumping in and out, consistently underperform those who stay in the market.

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Posted by DoubleDawg22

Member since Dec 2016

1572 posts

Posted on 2/24/19 at 6:00 pm to 3morereps

Thanks for the feedback.

Well, I can’t pull my money out of the market. At least that’s my understanding.

So my plan was to wait until after this China Deal and then move over into Bonds. My understanding is that it would still take a hit but not nearly as much as if I left the money in 100% stocks.

Am I correct in my thinking of swapping to bonds to offset losses?

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