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re: I have a friend that panicked in April and cashed out his 401k when Dow was at 36.
Posted on 10/27/25 at 2:39 pm to Bunk Moreland
Posted on 10/27/25 at 2:39 pm to Bunk Moreland
quote:
My grocery bills seem worse than ever,
food prices are up a good 20% here since the first of the year. But we are at the end of the supply chain, it will increase across the country as it already has to some extent.
City is talking about suspending tax on food since it keeps climbing.
0
Posted on 10/27/25 at 2:42 pm to Rebel
quote:
prime opportunity to lower interest rates and watch businesses (especially small businesses) explode
Eventually, yes, but if they start cutting rates, I don’t think you are going to like what that will signal to markets. I got a bad feeling that we are blowing off the top of this bubble and about to test some resolve on this premise
Posted on 10/27/25 at 2:42 pm to Warboo
quote:
So 3% inflation along with unemployment numbers easing
quote:
June 2025 4.1
July 2025 4.2
August 2025 4.3
Huh?
Posted on 10/27/25 at 2:44 pm to RogerTheShrubber
CPI was 2.4 in September.
Posted on 10/27/25 at 2:45 pm to Warboo
quote:
Inflation is way below the growth. If inflation was pacing with the markets, precious metals, etc. then I would agree with you.
Those things increase in price because of inflation. It's a constant at this point. We double our debt like every 10 years.
You can't add trillions of debt and then pretend like there isn't any inflation going on. All these wars and shite we are going have a cost. There is a reason empires often die by bankruptcy.
How to kill an empire:
unsustainable debt - we are getting to the point where we spend more money on interest than we do on military.
excessive taxation - this is mostly covered up and experienced as inflation(aka the debt is paying for it).
collapse of economic foundations - this is where all the welfare and handouts come into play as many citizens do nothing except live off others.
You guys can pretend otherwise, but this isn't new ground.
Posted on 10/27/25 at 2:45 pm to Rebel
T
quote:
he Bureau of Labor Statistics reported that the Consumer Price Index increased 3.0% in September from year-ago levels, compared to 2.9% in August.
Posted on 10/27/25 at 2:54 pm to Rebel
ISWYDT
Posted on 10/27/25 at 2:55 pm to Rebel
Most people just to just pick a target date fund about 10 years past their anticipated retirement age. Most cannot handle the ups and downs. Even those that understand it. Of course, that's where we make our money.
Posted on 10/27/25 at 2:58 pm to RogerTheShrubber
quote:
June 2025 4.1
July 2025 4.2
August 2025 4.3
Huh?
Inflation for the last 12 months ending in Sept. 2025 is 3%, period.
Posted on 10/27/25 at 3:00 pm to Warboo
quote:
Inflation for the last 12 months ending in Sept. 2025 is 3%, period.
Correct. Its been rising since April
What I posted was the unemployment numbers, showing they too are rising.
Posted on 10/27/25 at 3:15 pm to Rebel
Why would he do that? Did he not have much in it? The tax consequences of dumping the whole thing at once are pretty severe even if you're at retirement age.
Posted on 10/27/25 at 3:45 pm to Rebel
I'm really late to this thread but just wanted to say ISWYDT. 
Posted on 10/27/25 at 3:50 pm to Warboo
quote:
Inflation for the last 12 months ending in Sept. 2025 is 3%, period.
People celebrating 3% inflation.
Posted on 10/27/25 at 4:00 pm to theballguy
quote:
Never ever ever ever empty out a brokerage account. Never.
What if he panicked in March?
Posted on 10/27/25 at 4:05 pm to Powerman
quote:
Why would he do that? Did he not have much in it?
During one of the BIG market downswings, I belive he mentioned being down $6,000!
You do the math.
Posted on 10/27/25 at 4:05 pm to GoCrazyAuburn
Ah come on man, his friend understands the old saying, " Pigs get fed, Hogs get slaughtered ".
Posted on 10/27/25 at 4:13 pm to SmackoverHawg
quote:wife had this. Since she already had a pension we moved all to vanguard index funds. Target date funds are full of loser bond funds meant to spread fees to loser brokerage firms.
Most people just to just pick a target date fund about 10 years past their anticipated retirement age. Most cannot handle the ups and downs. Even those that understand it. Of course, that's where we make our money.
Posted on 10/27/25 at 4:24 pm to W2NOMO
quote:
Target date funds are full of loser bond funds meant to spread fees to loser brokerage firms.
That's why you pick one well past your retirement age to have higher percentage in equities. Most people never look at or rebalance. I've seen some have theirs all in cash because they didn't know where to put it even with a yearly sit down with a certified financial planner. They may allocate once and then never again.
Posted on 10/27/25 at 4:38 pm to Rebel
quote:Did you really mean 36?
I have a friend that panicked in April and cashed out his 401k when Dow was at 36.
The DJIA hit a 38K nadir in April.
36K was in Biden's Admin.
Regardless, cashing out is not necessarily a bad thing depending on what he "cashed" into as a DJIA alternate. E.g., Gold more than doubled since the DJIA was 36K.
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