re: After this weeks earnings..is it wise to move some from S&P mutual fund to a money market

With all due respect, your posts on this board imply buy and hold is the way to go.

3 bucket approach always worked for me.

1. Short term ,emergency fund money. Money that I might spend in next year or two.

2. Medium term. Money in my play account. Make a few changes. Although, I held some of my winners for 10+ years. I am mostly buy and hold and seldom pay short term cap gain taxes even in this bucket.

3. Long term. Buy and hold forever. This is by far the majority of my money. S&p 500, Russell 1000 type money. Probably 80% of my money.

The whole timing thing is always so funny because in order to time it correctly you will have to buy back in when shite looks like it's only going to go further down. Just look at general retail sentiment in late 2022 and early 2023. Most were saying it was a dead cat bounce and fresh new lows were right around the corner.


If it does actually correct/crash while you are on the sidelines, you will almost 100% miss out on the biggest green days during the recovery because they are going to come out of "nowhere" while you and most others believe the darkest days are yet to come.


It's always better to be invested on the green days than it is to be on the sidelines on the red days.

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The whole timing thing is always so funny because in order to time it correctly you will have to buy back in when shite looks like it's only going to go further down. Just look at general retail sentiment in late 2022 and early 2023. Most were saying it was a dead cat bounce and fresh new lows were right around the corner.

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You don’t see a lot of posts from those guys who could see 2022 coming from a mile away because they’re still in cash with a couple O&G stocks sprinkled in.

My brother just did this recently. Moved his entire 401k into a money market account within his 401k. He asked me my thoughts before doing it and I told him he's a fricking dumbass if he does it. He insisted that he would be better for it. He did it anyway and has since bought back in at a lower price. He claims he made the right choice but now he's lost all his dollar cost averaging and such. He's happy with his decision but I still think he made a mistake doing it. Only time will tell.

I'll tell you the same thing -- you're a dumbass if you do this. Just keep investing each month whether it's up or down and one day you'll be happy. Don't try to time the market.

Agree…i think he came out ahead if he was able to exit the market then reenter at a lower price point. No capital gains tax bc he did no pull out of 401k. Win win. Based on history of the S&P…the 3rd quarter is when it drops…11 out of the last 31 yrs..the 3rd quarter has lost money (%), so the track record is there

But if u look at it across the board…the 3rd quarter has performed the worst out of any quarter

Because less than most of the time, you might have an oppurtunity to catch lower prices one arbitrary day in q3 vs the arbitrary day not in q3 you are selling. :shrug: