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Old 01-12-2018, 12:06 PM
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Default staying invested

Are you guys staying invested or taking returns off the table and going more conservative?

I've decided to stay invested and keep going aggressive. I know that age has a lot to do with this. We've got 15 more year until retirement is what we are thinking.
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Old 01-12-2018, 12:16 PM
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I'm currently all in.
I too, still have a ways to go before I start to think about retiring, so no need to take my foot off the gas right now.

That being said, I'm seeing returns like nothing I've ever experienced before. Cashing out some positions and taking some returns is getting tempting for sure.
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Old 01-12-2018, 12:21 PM
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Quote:
Originally Posted by LivingAlmostLarge View Post
Are you guys staying invested or taking returns off the table and going more conservative?

I've decided to stay invested and keep going aggressive. I know that age has a lot to do with this. We've got 15 more year until retirement is what we are thinking.
To quote my Investment Policy Statement:

Invest in a diversified portfolio of stocks and bonds with an asset allocation of 60/40 with 10% international using low cost index funds. I will rebalance if the AA gets beyond 5%. I will evaluate my AA annually.

That's it. Doesn't talk about market ups and downs. That's just noise and trying to time the market always results in me losing out somehow.

I am somewhat risk averse, so I chose a 60/40 AA. If I didn't have a COLA'd pension, a very healthy EF and no non-mortgage debt, I would be even more conservative. I'm 52 and plan to retire at 60. Want to be FI at 54.
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Old 01-12-2018, 12:24 PM
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Quote:
Originally Posted by bjl584 View Post
I'm currently all in.
I too, still have a ways to go before I start to think about retiring, so no need to take my foot off the gas right now.

That being said, I'm seeing returns like nothing I've ever experienced before. Cashing out some positions and taking some returns is getting tempting for sure.
I have been cashing out on returns all year as my AA gets out of whack. Had to rebalance twice last year. Sold stocks at a high price and bought bonds at a low price each time. This all happens inside my tax advantaged accounts so no tax impacts.

A correction is coming. Just don't ask me when or how big.
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Old 01-12-2018, 01:36 PM
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This week:

Roth IRA:
Sold Total US Stock (VTI)
Bought more United Health (UNH) and Wellesley (VWINX)
Added Vanguard Technology (VGT).. New position

Taxable:
Bought more VTI
Added Facebook (FB) on January 12... New position


and then there's always the automatic 401k purchases

I'm somewhere around 75-80 stocks/20-25 bonds.
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Old 01-12-2018, 01:38 PM
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I'm certainly staying invested and I have an aggressive asset allocation, but my behavior has shifted to be a little more conservative. I ended up sending a lot extra towards mortgage principal last year, when I could of just as easily put it into the market.

In an effort to take the emotion out of it, I increased my automatic contributions, so that I don't think about too frequently.
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Old 01-12-2018, 01:54 PM
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I've started to make some changes but not because of current market conditions or predictions for the future (i.e. market timing). I'm doing it because, as corn said, my allocation has gotten out of whack. I moved 1% from stocks to bonds last week and plan to gradually shift another 4-5% out of stocks through a combo of new money going in and re-positioning some existing money.
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Old 01-12-2018, 04:26 PM
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I cashed in some because my allocation had gotten away from being 60/40 and I wanted to get it back in the groove.
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Old 01-13-2018, 10:45 AM
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We're already invested very conservatively, and we're staying that way.

We (well, it's mostly me but I say we because it isn't a unilateral decision) are already starting to think about what we want our asset allocation to be in retirement because we are close to hitting our retirement number (might happen this year, depending on how the business and the markets do).

We are, generally speaking, quite good a "staying on target." Our investment choices have been deliberately structured in a way that truly reflect our risk tolerance and emotional foibles.

Having said that, we are not above being tempted by the thought of a bit of minor market timing. For example, when do make the annual self-employed tax-deferred-account contribution? This is a discussion that comes up any year the market is way up or way down.
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Old 01-13-2018, 03:39 PM
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We've been 100% stock VTSAX all the way include our taxable account last over the past few years.

I might transfer funds from the taxable account in December to add to our ROTH VTSAX.
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Old 01-13-2018, 10:08 PM
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Currently, I'm riding the wave. I need the growth as much as possible. I'm hoping I don't need to tap any of my IRAs for at least 8 years when I turn 70 and have to. I never understood why with lifespans getting longer and it not being unusual for people to live into their 70's-90's that they are ready to have every account set to some arbitrary number when they hit 65 and or they retire. Don't you need that money to keep growing to deal with expenses 20 years from retirement?

Even though I suffer from severe RA, people in my family tend to live into their late 80's-90's. My mom is 87 with two sisters older than her, one being in her 90's already. My husbands side of the family also live a long time and his dad has physically been cheating death since before we got married 16 years ago. He is now in his mid-80's.

Anyhow for now I'm trying to grow as much of a retirement account as possible. So I am letting the stocks run. I bought them for the long term.
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Old 01-14-2018, 12:42 PM
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I'm thinking of just staying invested. But I'm thinking of maybe buying a vacation condo this year maybe. Well more a condo in hawaii for my parents to use and just whenever we visit. Not smart financially but something just we like having.
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Old 01-15-2018, 09:53 PM
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I am staying all in; I expect a downturn but have no clue when so if I stay in for the long haul I will be in for the recovery.
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Old 02-13-2018, 02:12 PM
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Quote:
Originally Posted by LivingAlmostLarge View Post
Are you guys staying invested or taking returns off the table and going more conservative?

I've decided to stay invested and keep going aggressive. I know that age has a lot to do with this. We've got 15 more year until retirement is what we are thinking.
It's better to stay invested
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Old 02-13-2018, 04:07 PM
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One of my stocks has been doing poorly and is 'on sale', so I used up all my investing money that has been waiting for an investment and got some more shares. It is a large company that I expect to eventually recover over the years, not some place that makes pet rocks.
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Old 02-13-2018, 04:11 PM
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Originally Posted by Gailete View Post
One of my stocks has been doing poorly and is 'on sale', so I used up all my investing money that has been waiting for an investment and got some more shares. It is a large company that I expect to eventually recover over the years, not some place that makes pet rocks.
GE...?
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Old 02-13-2018, 06:16 PM
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GE...?
How did you guess? We have one of the big factories in the nearby city. Our rental property, is a house that they built about 100 years ago for employees. While they have had layoffs and such, I haven't heard of they closing down our plant and I know they are working on restructuring the business.

Since I started buying it, I have followed the dividends and at the beginning I could have only bought a partial share with the dividend reinvestment. My dividends this past year could have bought more than a couple of shares of the stock. I was willing to take a chance because I know once it goes back up, I will kick myself if I hadn't. Of course, if it crashes and burns then I know I made the wrong choice. If I wasn't willing to take that chance, I shouldn't have put a penny into stocks. Some I'm sure, who go by the buy high, sell low philosophy are dumping what they can. To be it is no different than stuff on sale at the grocery store. Granted I buy and sell in much smaller quantities than others here, but I have been happy with how things are going.
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Old 02-15-2018, 01:06 PM
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Ha, I was going to guess GE as well.

Right now I think we have less than 1% of our net worth in cash. We actually don't even have an EF now that I think about it. Everything is invested.
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Old 02-15-2018, 03:48 PM
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As the stock market tries to get back to where it was, my newest shares have gone up 21 cents apiece.

When I was in 8th grade, I got to take as one of my elective courses, library aide. Something I did throughout my entire educational career, even in nursing school. One of things the librarian did for the couple of us that were student aides is acquaint us with the stock market and then had us pick a stock and follow it for the year. My pick was Pepsi. This was 1967-68 I believe. I would love to know what 10 shares of Pepsi, if I could have purchased it then would be worth now. Between, growth, dividend reinvestment and splits, I think I would be fairly rich maybe? I don't know how to find out that kind of info. But it has always made me interested in the stock market. I would have never learned much about the stock market at home since it wasn’t something that was discussed in our home, nor was any investing being done.
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Old 02-15-2018, 05:30 PM
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10 shares in 1967 would now be 540 shares and worth $58,914
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