Always tough to time the bear market Olga Kay Coronavirus But First Staying Alive shirt. It could come in the next year, or we could go up another 25% before we enter it. I am keeping some cash on the sidelines but I am close to fully invested. That’s what I was talking about to someone else here, but they insisted being 100% vested, just more so in bonds in case of a drop…but then you’re missing out on so much equity gain by being in primarily bonds. I have something like 4% in cash right now in my taxable account. My Roth is fully invested. I’m letting dividends just accumulate and I’ll put them to work when we see a pullback or just dump them in an index fund. I don’t know which individual stocks I’d buy right now aside from some I feel are undervalued. That seems like a solid plan to me. Is your Roth all equity based or did you throw some bond funds in the mix
I only have 10% or so in bonds in my roth Olga Kay Coronavirus But First Staying Alive shirt. 15% in my taxable account mainly to be a less volatile holding in the event we do have a downturn – mostly in short term US treasuries. It’s just tough to hold too many bonds because they pay so little with rates so low, and I doubt rates will be raised that much in the future so long as inflation remains as it is. The best strategy in the very recent history was to buy the rip. Impossible to say if it still is currently the best strategy because you need hindsight for that. I’m buying and I don’t think these mumbo-jumbo anecdotes are helpfull. “Be greedy when other’s are fearfull” might be great when you are pondering wether to get your Hyena pack to that Zebra carcass the Lion just slayed.
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