re: How heavily are you still investing in the stock market?

I’m about 60% TIPS, Tbills & high yield savings. Guaranteed 4 to 5% return is hard to beat. TIPS are a good long term play imo because government has to keep inflation going to service debt. Which implies a real return…

With extra money now I put half in Cash equivalents and 1/2 in index funds - value stocks and international funds. Currently my stocks are about 60/40 US/International. I have a thesis that in the next 5 to 10 years international stocks have better growth prospects than domestic.

As my short term treasuries mature I’ll buy more stocks and up the US % assuming prices and p/es drop.

I stopped adding extra* to my stock market positions years ago and decided to diversify by buying real estate. I am happy (and honestly just lucky) that I did.

I bought two rental properties that were supposed to be a hedge against being 100% stock market invested.

At time of purchase - I had 40% of my retirement in the houses and 60% in the market.

The properties have gone up in value tremendously and the market was climbing too but now has flattened and dropped for quite some time.

1. Property #1 is an apartment next to a college campus that has doubled in value and has been rented every year.
2. Property two is a beach rental that is a cash cow and is up 60% in value. I don’t understand how it stays rented in this economy but it does.
3. Stock market is up maybe 5%.

My Real Estate retirement plan looks far better than the stock market portion right now. But that can change at anytime.

I live well below my means and will accumulate enough cash to buy another property or invest more in the market. My brain keeps telling me to “buy the fear and buy the dip” but it does not feel like the correct decision if I could find another good property that needs a cash buyer.

(*As an aside, I invest pretax enough in the market to meet my employer match - but not more for some time).

The time was a year ago when the S&P took a massive dump

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and decided to diversify by buying real estate.

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smart move. welcome to the club.

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The properties have gone up in value tremendously

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mine too and i never bought for appreciation only cash flow.

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My Real Estate retirement plan looks far better than the stock market portion right now.

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same here. i want to use dividends as well but i like high payers like QYLD and RYLD, etc and what i like is considered too risky to hold in retirement when that time comes but it would be a nice extra income stream. i may have to just live with the price/principal fluctuations. goal is 4 streams of cash flow in retirement. 3 passive. RE, dividends, loaning to HML's. and a 4th active being my commodity trading. hopefully my other side businesses by then will be running full speed also.

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wonder why everyone ISN'T freaking out. We are sitting on the mother of all bubbles that was created by the federal reserve in conjunction with our federal gov't. This is destined to implode at some point.

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Why did you post a linear scale chart of the S&P 500 from WW2 to July of 2021?

Here’s some food for thought… from December 1943 to December 1971, when the gold standard was dropped , the S&P 500 annualized total return was over 2% higher than from January 1972 to today.

Maybe gold was the bubble??

If this is for retirement in 15-25 years, why would you not buy when it’s cheap? Your only bet is that stocks will be worth more then than now.

My non retirement accounts I’m buying some oil stocks and speculative things but nothing big. I sold a lot of this last year to take gains. Mostly looking at alternative investments with that money since it’s for now and not the future.

I am 90% in 3 month CD’s.

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I am 90% in 3 month CD’s.

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I've laddered quite bit of CDs 3-6-9 and short term treasuries. I listened to some mega commercial real estate investor last week complaining about CDs paying 5%, he's worried too many Americans are going to the safety of fixed interest investments and we risk an equities and real estate collapse. At least this billionaire is being honest, admitting they need the American people participating in riskier investments so they can run their skim operations.

I’m about 75% in fixed, money market and 25% in equity.