re: Your YTD

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For my 401k I’m considering cashing out 15% for the inevitable pullback

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Time in market > timing market.

If you don’t need money in next 3-5 years, let it ride…my usual view.

However, I have pulled out 15%, some as dry powder, for similar reason. I’m recently retired. It serves multiple reasons (sequence of returns risk mitigation, planned Roth conversions and rebalancing etc).

To say, unlike dot.com bubble, there is real capital investment behind the AI new frontier. Infrastructure build phase growth just may offset the inverted bond yield Oct 25 that typically indicates “inevitable” recession. Perhaps the market will grow into the overheated P/E valuations?

If you have time, risk is on your side. Good luck!

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have pulled out 15%, some as dry powder, for similar reason.

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I’m hoping to retire in 7 yrs, at 55. So in the near term it would be taking profits in the event of a pullback. I’m also looking to get into other investments as well. In the past 1.5 yrs I’ve slowly built a self directed brokerage to 277% unrealized gains from following this board (Thanks MB!). However this only represents almost 10% of my overall retirement across all sources.

I’ve been very conservative in how much I’ve allocated, and would like some more “dry powder” for future opportunities as they arise.

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I'm ~40% YTD and thought I was crushing it. Some of y'all are REALLY crushing it!

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That’s since I started the account, so since Oct/Nov 2024, and mostly thanks to NBIS

Nice gains though!

Im at 47% and started in April. Wish I would've started a long time ago, glad to have the help of this group though.

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Also, I'm pretty divy-heavy so a lot of gains are eaten by auto reinvestments in things which have stalled or dropped a bit over the YTD

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Believe me….this is the way to a happy retirement. It is not much fun when you post on message boards or when you and your buds are talking about investments. However, I speak from experience when I say that you will win out in the end!

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I’m hoping to retire in 7 yrs, at 55.

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We are the same age. I don't think I'll be ready financially or mentally to retire at 55. I still mostly enjoy my job and I'm making more money than I ever have.

Maybe 60-62. I had 2 kids in my 20s and my expenses were high when I was young. One is off the payroll now, but the other one starts college in August.

We've been able to save a lot in recent years but I'll still probably need to work another 12-14 years.