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Old 04-24-2022, 02:33 PM   #1
bow4my2
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Default Anyone moving stocks to more conservative safe haven areas?

Been a lot of ups and downs lately and only see worse. Just curious what others are doing?
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Old 04-24-2022, 02:36 PM   #2
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I need to. Following… LETS GO BRANDON
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Old 04-24-2022, 02:41 PM   #3
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I only have mutual funds with histories. I haven't moved anything. Down 7%
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Old 04-24-2022, 03:01 PM   #4
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Following.
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Old 04-24-2022, 06:33 PM   #5
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Nope. Iím just tightening my seatbelt.


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Old 04-24-2022, 06:49 PM   #6
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Buy on the dips.


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Old 04-24-2022, 06:54 PM   #7
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Sold the small bundle I had in oil before it really started going down but still have some in black rifle and may buy some of another later on.
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Old 04-24-2022, 07:00 PM   #8
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Buy on the dips.


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So I have a managed portfolio and donít do individual trades. I have been having discussions of moving into more conservative funds to weather the storm
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Old 04-24-2022, 07:01 PM   #9
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I had my son's 529 money moved to safer funds until he's done with pulling from it.
He's in his freshman year right now.
The account might not grow much in safer funds- but I would rather have what I have now than watch it drop while he's still in school.

Thanks Justin!
(TBHer)
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Old 04-24-2022, 07:32 PM   #10
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I had my son's 529 money moved to safer funds until he's done with pulling from it.
He's in his freshman year right now.
The account might not grow much in safer funds- but I would rather have what I have now than watch it drop while he's still in school.

Thanks Justin!
(TBHer)
This was my thoughts on all my account including 529ís
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Old 04-24-2022, 07:37 PM   #11
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I moved my wife's 401k to a more conservative fund about a month ago. It was in an aggressive fund and made good money the last few years.
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Old 04-24-2022, 07:41 PM   #12
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A legit study showed that over the long term the accounts of dead folks made more money. Buy if you want but don't move a bunch around...my .02

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Old 04-24-2022, 09:34 PM   #13
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Good time to get into options and buy puts.
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Old 04-24-2022, 09:42 PM   #14
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A legit study showed that over the long term the accounts of dead folks made more money. Buy if you want but don't move a bunch around...my .02

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Thatís because dead people donít make emotional and irrational decisions. Bottom line, your risk tolerance shouldnít be driven by the whims of the market and your investments should match your timeline.


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Old 04-24-2022, 10:04 PM   #15
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Thatís because dead people donít make emotional and irrational decisions. Bottom line, your risk tolerance shouldnít be driven by the whims of the market and your investments should match your timeline.


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Yes it's easy to want to get in and out. I have a hard time stomaching paying my money manager to lose money but in the long run I'm up significantly from where I started. It's a marathon and I'm glad to be in the race. My philosophy might change as I get closer to retirement but I'll rid it out for now.

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Old 04-24-2022, 10:11 PM   #16
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Originally Posted by JBJTX81 View Post
Yes it's easy to want to get in and out. I have a hard time stomaching paying my money manager to lose money but in the long run I'm up significantly from where I started. It's a marathon and I'm glad to be in the race. My philosophy might change as I get closer to retirement but I'll rid it out for now.

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In all reality the biggest thing you pay your money manager is to help you make smart decisions and keep emotions out of it. If they allow you to make big changes when the market hits some bumps, you need to find a new one. They either messed up in setting up your portfolio to begin with or they arenít doing their job by holding you accountable to not make poor decisions. (Anyone can do that without paying someoneÖ thatís easy!)


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Old 04-24-2022, 10:20 PM   #17
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Hell, if your money isn't growing it is worth less every day. That isn't exactly safe. It's frustrating to see what is happening to our country. If you look at a graph of the S&P 500 over the past 5 years it is still way up. Not saying I know what will happen in the future, but you have to think long term.
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Old 04-24-2022, 10:57 PM   #18
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Sold off my Roth several months back with all the uncertainty, but still looking for a good place to park it.
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Old 04-24-2022, 11:05 PM   #19
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Sold off my Roth several months back with all the uncertainty, but still looking for a good place to park it.
Take a peek at series I bonds.
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Old 04-25-2022, 08:30 AM   #20
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All I know is that Biden's policies have set back my retirement by at least 1-2 years. LOSER!!!!!
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Old 04-25-2022, 08:35 AM   #21
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All I know is that Biden's policies have set back my retirement by at least 1-2 years. LOSER!!!!!
Thatís my point. I understand the marathon concept. But if I had a choice to run it and stop and take a break for 30 mins or be told half way through turn around and start from a half a mile back again , Iím staying where Iím at. Interested to see where fellas have moved things from a conservative standpoint.
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Old 04-25-2022, 08:46 AM   #22
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Thatís my point. I understand the marathon concept. But if I had a choice to run it and stop and take a break for 30 mins or be told half way through turn around and start from a half a mile back again , Iím staying where Iím at. Interested to see where fellas have moved things from a conservative standpoint.

The challenge with Ďsitting it outí is that you need to be right twice to time the market. Youíve got to get out before the market drops and youíve got to get in before it rebounds. Unfortunately, thereís no proven way to do this. Although, that doesnít stop people from trying, which also has proven to lower investment performance. Take a look at that chart posted above and think about how scary it was when covid hit and the market tanked. With the economy shut down and all of the unknowns, it would have been hard to predict the recovery we experienced. There will always be reasons not to invest. Uncertainty and risk are what drive returns. You need to match your time horizon with your investments. If you need cash for retirement in the next three to five years (or any other goal) your investments for that money should reflect it. (Cash and/or cash equivalents) Stocks and most bonds are not typically thought of as short term investment vehicles.


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Old 04-25-2022, 10:36 AM   #23
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Lots of folks could gain a lot by spending a few minutes a day at Bogleheads.org


The market will go up and down. Your chances of hitting a swing perfectly are very low, better to buy along the way as stocks are 10% cheaper.

Buying and selling a bunch just makes you owe capital gains. Hold for ever and then only sell when you are old. You can take up to $80k on capital gains tax free when you are old so no reason to get hit with small gains now because you are nervous.
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Old 04-25-2022, 11:28 AM   #24
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I rolled some of my 401K over out of stocks into cash balance a few months ago. I'm two years away from retiring if Biden don't fork it up and did not want to be in the shape I was in at March 2020 when covid tanked the markets and I lost several hundred thousand on paper. Just because its on paper it still looks bad with that many zeros negative!

I do not see anything good Biden will do for the economy/country in the next 2.6 years. It could get worse before it gets better.

I will buy back in to stocks if the market falls several thousand points.

Who knows what will happen? I just don't see the democrats doing anything to help it.

Interest rates are headed up; Oil is high; Inflation 40 year high; Supply chain is getting worse instead of better. There is a lot stacked against the stock market right now!
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Old 04-25-2022, 11:50 AM   #25
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Downturns are normal, upturns typically follow downturns and usually last longer. This is what it feels like to buy low.
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Old 04-25-2022, 11:51 AM   #26
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Quote:
Originally Posted by Killer View Post
I rolled some of my 401K over out of stocks into cash balance a few months ago. I'm two years away from retiring if Biden don't fork it up and did not want to be in the shape I was in at March 2020 when covid tanked the markets and I lost several hundred thousand on paper. Just because its on paper it still looks bad with that many zeros negative!

I do not see anything good Biden will do for the economy/country in the next 2.6 years. It could get worse before it gets better.

I will buy back in to stocks if the market falls several thousand points.

Who knows what will happen? I just don't see the democrats doing anything to help it.

Interest rates are headed up; Oil is high; Inflation 40 year high; Supply chain is getting worse instead of better. There is a lot stacked against the stock market right now!
This is exactly where my mind is heading
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Old 04-25-2022, 11:52 AM   #27
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No, but as a % of net worth, I don't have huge exposure to the securities/ equities markets. Probably only 10% in the market, another 70% is tied up in investment real estate, then some cash and precious metals.

I'll ride it out and keep dollar-cost averaging on up and down swings.
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Old 04-25-2022, 12:03 PM   #28
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Quote:
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Take a peek at series I bonds.
They are great, but I believe the amounts you can buy are pretty low. LIke 10k a year per person.

I've been wrong before though.
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Old 04-25-2022, 12:13 PM   #29
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They are great, but I believe the amounts you can buy are pretty low. LIke 10k a year per person.

I've been wrong before though.
I believe you are correct on the max of $10K per year.
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Old 04-25-2022, 12:15 PM   #30
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They are great, but I believe the amounts you can buy are pretty low. LIke 10k a year per person.

I've been wrong before though.
This is somewhat correct. $10K if buying w/ cash, plus another $5K if using a tax refund.
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Old 04-25-2022, 12:19 PM   #31
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You should have a written investment plan with you allocation to stocks, bonds and cash. Within your stock allocation you should have a plan on how much you will hold in US vs International stocks. Include in that written plan a timeline as to your frequency of checking your allocation vs your plan.

When that date hits check your allocation vs the plan and rebalance if necessary to get back to your planned allocation. Don't put any emotion into it whatsoever. If your plan is 70% stocks and 30% bonds and you are 75% stocks and 25% bonds then you would sell stocks and buy bonds to get back to 70%/30%. This forces you to sell winners and buy losers.

Market timing is a loser's game and its been shown to be so time and time again.

Have a plan. Stick to it. Ignore the noise.
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Old 04-25-2022, 01:12 PM   #32
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Lots of talk of multiple interest rate raises this Summer, like 75 bp's each time. Old adage is don't fight the Fed...going to be rocky for a while...
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Old 04-25-2022, 01:25 PM   #33
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This is somewhat correct. $10K if buying w/ cash, plus another $5K if using a tax refund.
What's that?

A tax refund?
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Old 04-27-2022, 04:49 PM   #34
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Moved portfolio into a conservative MIP2 .
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Old 04-27-2022, 05:33 PM   #35
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Quote:
Originally Posted by Pedernal View Post
I believe you are correct on the max of $10K per year.
Good to know! I thought you could buy a bond in 10k increments, so if you had 20k you would just buy 2. Good point.
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Old 04-27-2022, 05:43 PM   #36
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Right the opposite. I increased my positions little over 10% in the last 3 days. Google, Amazon, Tesla, and Microsoft were really cheap IMO.

Last edited by BrianL; 04-27-2022 at 05:46 PM.
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Old 04-27-2022, 05:47 PM   #37
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Use the surfer model. Ride the waves and stick with your plan.
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Old 04-27-2022, 06:27 PM   #38
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Buy low and sell high is one strategy.

Buy when it feels good and sell when it's scary is the most common strategy though.

They're not the same.
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Old 04-28-2022, 05:31 PM   #39
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Quote:
Originally Posted by Dr. Evil View Post
All I know is that Biden's policies have set back my retirement by at least 1-2 years. LOSER!!!!!
^^^^ This.
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Old 04-28-2022, 05:37 PM   #40
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You may look like a genius if tomorrow is as bad as afterhours looks. AAPL and AMZN going down.
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Old 04-28-2022, 05:48 PM   #41
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Don't look good for the next several months into the future.
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Old 05-05-2022, 02:12 PM   #42
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Looking like a good move. Markets are so weak.

But you have to have a plan to get back in. That's the hard part. You wait an hour too long and markets will be up 5-10% off bottom.
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Old 05-05-2022, 02:36 PM   #43
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To me depends on your time remaining until withdrawal of funds such as retirement. If you have 10+ years until withdrawal I wouldn’t panic to the point of shifting. Keep in mind your dividend reinvestment & any contribution is buying more shares at lower $/share so when thing do correct & rebound you will have a higher share count
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Old 05-05-2022, 02:40 PM   #44
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Don't look good for the next several months into the future.
Got a shock upon opening the last dividend check. Not good at all.
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Old 05-05-2022, 05:06 PM   #45
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This roller coaster is making my tummy tingle. I invest a set amount on a regular schedule every other Friday, both into my 401K and my S&P500 index funds, with the occasional larger investment as my cash accumulates to a certain level. And I am several years away from touching any of it, so these market shakeups shouldn't bother me. Maybe I'd be happier if I quit paying any attention at all to the market, and just let it do it's thing.
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Old 05-05-2022, 05:10 PM   #46
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+50.40 on my MPC stock for the year.
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Old 05-05-2022, 05:10 PM   #47
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Don’t slam the door shut once the cow is already out of the barn. That’s too late.
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Old 05-05-2022, 05:10 PM   #48
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Question for you smart guys…. They say that gold and silver is a hedge against inflation…. If inflation is going up, why is gold and silver going down?? I don’t understand the market at all.
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Old 05-05-2022, 05:47 PM   #49
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Government bonds. Joking.
But no jokeÖwhen the Fed craps the bed the Gubernment will force banks to have major bond holdings to get loaned money. Get in front and skim somehow.
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Old 05-05-2022, 06:00 PM   #50
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We have some in Mutual funds with mine in more aggressive funds/stocks and the wife's in more stable funds/stocks. The large portion of our retirement is in annuities!
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