Anyone moving stocks to more conservative safe haven areas?

[bow4my2]

Been a lot of ups and downs lately and only see worse. Just curious what others are doing?

[Lonewolf]

I need to. Following… LETS GO BRANDON

[Tejas Wildlife]

Originally Posted by Lonewolf

I need to. Following… LETS GO BRANDON

But move where????

[DaveC]

Originally Posted by Tejas Wildlife

But move where????

Someone one here suggested I bonds from the Treasury the other day.
https://www.treasurydirect.gov/tdhome.htm

I bought $1k and plan on adding some here and there.
(just added another $50.00)

From their site (after log in)-

Savings Bond Rates:
Bonds issued May-October 2022
Series EE - 0.10 % *
Series I - 9.62 %


9.62%, it moves from what I've read - and will have to hold over 1 year to pull without penalty and if under 5 "There is a 3-month interest penalty if you cash an EE or I Bond within the first five years from its issue date.".

I ain't saying this is the way to go, but don't see how it can "hurt".

[Rangerreese]

Following stock market scares me!

[Walker]

I only have mutual funds with histories. I haven't moved anything. Down 7%

[rut-ro]

Originally Posted by Walker

I only have mutual funds with histories. I haven't moved anything. Down 7%

Same here down 15 but staying where I am.

[Shake N' Bake]

Following.

[MikeyG]

Nope. I’m just tightening my seatbelt.


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[rtp]

Buy on the dips.


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[bow4my2]

Originally Posted by rtp

Buy on the dips.


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So I have a managed portfolio and don’t do individual trades. I have been having discussions of moving into more conservative funds to weather the storm

[BlessedVeteran0305]

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.

[DaveC]

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)

[bow4my2]

Originally Posted by DaveC

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 529’s

[bowhunterhelm]

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.

[JBJTX81]

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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[Planner]

Originally Posted by JBJTX81

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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That’s because dead people don’t make emotional and irrational decisions. Bottom line, your risk tolerance shouldn’t be driven by the whims of the market and your investments should match your timeline.


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[JBJTX81]

Originally Posted by Planner

That’s because dead people don’t make emotional and irrational decisions. Bottom line, your risk tolerance shouldn’t 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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[Planner]

Originally Posted by JBJTX81

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 aren’t doing their job by holding you accountable to not make poor decisions. (Anyone can do that without paying someone… that’s easy!)


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[SabineHunter]

Good time to get into options and buy puts.

[Kdog]

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.

[JRL]

Sold off my Roth several months back with all the uncertainty, but still looking for a good place to park it.

[ctom87]

Originally Posted by JRL

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.

[rferg84]

Originally Posted by ctom87

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.

[Pedernal]

Originally Posted by rferg84

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.

[ctom87]

Originally Posted by Pedernal

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.

[lck90]

Originally Posted by rferg84

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.

[rferg84]

Originally Posted by lck90

This is somewhat correct. $10K if buying w/ cash, plus another $5K if using a tax refund.

What's that?

A tax refund?

[BW412]

Originally Posted by ctom87

Take a peek at series I bonds.

I maxed out one and one for my wife last month. Gonna pull about 8.45% for the next year.

[meltingfeather]

Originally Posted by BW412

I maxed out one and one for my wife last month. Gonna pull about 8.45% for the next year.

Same— got 9.62%
Crazy!
It’s not much of a nut but it’s a hell of a guaranteed return.

[Dr. Evil]

All I know is that Biden's policies have set back my retirement by at least 1-2 years. LOSER!!!!!

[bow4my2]

Originally Posted by Dr. Evil

All I know is that Biden's policies have set back my retirement by at least 1-2 years. LOSER!!!!!

That’s 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 , I’m staying where I’m at. Interested to see where fellas have moved things from a conservative standpoint.

[Planner]

Originally Posted by bow4my2

That’s 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 , I’m staying where I’m at. Interested to see where fellas have moved things from a conservative standpoint.

The challenge with ‘sitting it out’ is that you need to be right twice to time the market. You’ve got to get out before the market drops and you’ve got to get in before it rebounds. Unfortunately, there’s no proven way to do this. Although, that doesn’t 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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[Matt_C]

Originally Posted by Dr. Evil

All I know is that Biden's policies have set back my retirement by at least 1-2 years. LOSER!!!!!

^^^^ This.

[scott123456789]

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.

[Killer]

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!

[bow4my2]

Originally Posted by Killer

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

[Triple 7]

Downturns are normal, upturns typically follow downturns and usually last longer. This is what it feels like to buy low.

[rferg84]

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.

[Throwin Darts]

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.

[Rangerreese]

Following

[kch73]

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...

[bow4my2]

Moved portfolio into a conservative MIP2 .

[Tejas Wildlife]

Originally Posted by bow4my2

Moved portfolio into a conservative MIP2 .

Down 10% since November so switched it today. Hope to retire in October-November of this year so can’t lose anymore

[bow4my2]

Originally Posted by Tejas Wildlife

Down 10% since November so switched it today. Hope to retire in October-November of this year so can’t lose anymore

Good for you, hopefully a good place to weather the storm. I haven’t lost anything still all mine and my company has put in is still accumulating and I have gained .5%. Extremely nominal but it’s still there.

[BrianL]

Right the opposite. I increased my positions little over 10% in the last 3 days. Google, Amazon, Tesla, and Microsoft were really cheap IMO.

[brokeno]

Use the surfer model. Ride the waves and stick with your plan.

[Shane]

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.

[RiverRat1]

You may look like a genius if tomorrow is as bad as afterhours looks. AAPL and AMZN going down.

[Killer]

Don't look good for the next several months into the future.