Stocks in 2013

[socialinvestor2013]

Investment plan for my IRA

I've recently moved over my old 401k to an IRA and am thinking about the following investment plan

40% - CDs/Bonds
20% - Gold based ETFs
20% - REITs
20% - Technology based ETF.

Any feedback?

[feh]

I've recently moved over my old 401k to an IRA and am thinking about the following investment plan

40% - CDs/Bonds
20% - Gold based ETFs
20% - REITs
20% - Technology based ETF.

Any feedback?

It makes me think you don't want to take the advice that's been provided, if these are long-time investments as you stated. This is a very defensive portfolio. And if we actually want to pretend we have a crystal ball, I could see it losing quite a bit of value over the next couple years.

You need to create an asset allocation based on your time horizon and risk tolerance. Ignore what the market has done the last couple years, or what you think it will do the next couple.

[disneysteve]

I've recently moved over my old 401k to an IRA and am thinking about the following investment plan

40% - CDs/Bonds
20% - Gold based ETFs
20% - REITs
20% - Technology based ETF.

Any feedback?

It is impossible to answer your question without a lot more information. How old are you? What does the rest of your portfolio look like?

Some of this might be okay depending on the big picture. For example, having 40% of your IRA in CDs sounds very conservative, but not if you have a bunch of money in equities in other accounts, or if you are very close to retirement age.

[violet80907]

I agree with disneySteve; more information is likely required.

If this is your entire portfolio, then it seems a little oddly allocated. 40% bonds/CDs, and 20% gold, seem conservative to defensive. Yet you combined that with 20% technology based ETFs, which suggests you are (selectively at least) looking for growth. If the 40% CDs/bonds is your emergency fund, then that explains a little, but still I question the balance.

If you are confident in the sectors you are picking, then fine. Otherwise, it would seem prudent to allocate more broadly and include stocks (foreign and domestic), as well as corporate bonds.

[socialinvestor2013]

Here is a bit more information
I already have a separate Equities portfolio almost triple this size.
I have a separate 401k more than double this size with my current employer. (this 65% invested in stocks)
This is just my previous 401k which I've rolled over to an IRA like I mentioned in my post.
And I'm thinking Gold and REITs because I believe they are "growth" components long term.
The 40% CDs/Bonds because at the end of the day this is a retirement account even though I'm decades away from retirement!

[disneysteve]

Here is a bit more information
I already have a separate Equities portfolio almost triple this size.
I have a separate 401k more than double this size with my current employer. (this 65% invested in stocks)
This is just my previous 401k which I've rolled over to an IRA like I mentioned in my post.
And I'm thinking Gold and REITs because I believe they are "growth" components long term.
The 40% CDs/Bonds because at the end of the day this is a retirement account even though I'm decades away from retirement!

If you post a full breakdown of your portfolio, we can give a much better idea of whether or not the proposed allocation for this particular account makes sense. Also, tell us what your asset allocation plan is, not just for this account but for your entire portfolio. How old are you?

[profitconfidential]

Stock Market

Tech Stock’s Saying About the Stock MarketWe all know that corporate earnings are managed, but in a sense, it works, because an investor is better off having some ballpark earnings outlook over nothing. Earnings estimates for mature, large-cap businesses are typically more accurate over traditional growth companies, and you can use these estimates for your buy and sell decisions on the stock market.

[jeroenwaning]

Will 2013 be a pull back year for stocks? Is it time to move investments temporarily away from stocks?

I found this Yahoo! Finance article that talks about stocks for 2013:

http://goo.gl/43XFx

I'm not investing expert, but I am apprehensive about putting any of my assets back into the financial markets right now. However, I believe too many people share my concern and that is really the root of the problem.
____________________________
Gold IRA Investing

[SteinFamily]

I found this Yahoo! Finance article that talks about stocks for 2013:


I'm not investing expert, but I am apprehensive about putting any of my assets back into the financial markets right now. However, I believe too many people share my concern and that is really the root of the problem.

Very interesting stuff from Yahoo, thanks for the share!

[Evanspa]

Preserve Recent Gains?

I have a rollover IRA. The fund has seen a good recovery of late. I also have an active 401K from my employer.
With the recent run-up in equities, I just don't see the fundamentals supporting the highs. Even Warren B. is selling domestic stocks.
I would like to preserve my principle. I am looking for a conservative investment to shift out of high growth/risk. What would be a good vehicle? Bond market does not look too stable.
I'm not looking to "time the market" maybe just get more money out of it.
I am 50, own rental properties, no consumer debt, maxing current 401K.

Thanks
Patrick

[feh]

You might want to start a new thread, instead of embedding your question here.

I have a rollover IRA. The fund has seen a good recovery of late. I also have an active 401K from my employer.
With the recent run-up in equities, I just don't see the fundamentals supporting the highs. Even Warren B. is selling domestic stocks.
I would like to preserve my principle. I am looking for a conservative investment to shift out of high growth/risk. What would be a good vehicle? Bond market does not look too stable.
I'm not looking to "time the market"

That's exactly what you're doing.

maybe just get more money out of it.
I am 50, own rental properties, no consumer debt, maxing current 401K.

Thanks
Patrick

Unless you need this money soon, I suggest you leave it alone.

[Evanspa]

OPPS, didn't mean to Hijack. I'll start a new thread.