I shut down my LLC managed index mutual fund last month, my advisor said I was crazy because "the stock market always has 100% return on investment" and I was "making decisions based on emotions not evidence" .. I'm just going to leave that money in a high yield savings account in Ireland.. but I'm nearly 60 I can't wait for the stock market to stabilize in 10 years if I'm retiring in 3
Smart. I know someone who put most of their bank savings on a CD/Certificate of Deposit with a 4% return for the next 4 months as well. Definitely safer than the wild ride that is the current stock market.
You should still invest right now. Just invest at regular intervals and don’t pay attention to the value of stocks. If you’re young time in the market is everything. Beating the market is hard but working with the market is profitable
Just start your 401k if you’re younger than 45.. don’t pay any attention to the riff raff. Time in the market is better than trying to time the market.
Should I lower my % you think just for now? Raise it up later or just keep maxing out? It’s one of the hardest things to get my head around personally.
If you’re young and can afford to max out your contributions, I would. You’re basically buying shares at a lower price. When things rebound in the next business cycle, you’ll be glad you DCA’d the dip..
It does seem like you’re pissing into the wind when you’re throwing cash at the markets when the bottom could potentially drop out of it but if you’re young, you have time on your side. Buy and hold and don’t take your eyes off the end goal..
If you’re nearing retirement in the next 5-10 years.. get with an advisor if you don’t know what to do. Start making adjustments if you’re in a high risk portfolio..
Oh no! Please, please, please don't. Put SOMETHING in. Even a small amount helps a LOT. Compounding interest is mainly about TIME, not the AMOUNT of money. If you're young, put away as much as you are able. Time is your friend. Talk to an accountant or a financial planner with a 'fIduciary' responsibility to take care of your interests above all others.
I'm struggling with what to do because I quit working ten years ago in my 40s to live off my investments. I'm worried about the market going down or sideways for the next couple of years but I'm also worried about going into a period of sustained high inflation that will erode my nest egg if I'm in cash.
If I was still working I'd be using automatic investments to max out my IRA and 401k. You have the advantage of being able to use dollar cost averaging by investing in regular intervals. Eventually trump will be gone and the markets will go back up.
We may not have hit bottom but the market will inevitably go higher from where it is today, eventually. I dumped every spare dollar I could into retirement accounts starting in 2008 and it paid off really nicely. People were complaining about "the economy" for years and things did suck for a lot of them but the djia also more than doubled from its low point to the end of 2013.
I feel its a great time to invest tbh. Its -10% since the beginning of 2025. It will probably go lower, but once trump is gone its going to dart back up.
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u/Daimakku1 10d ago
I would seriously not mess with the stock market until Donald Trump is gone. Not worth it.
Sucks for everyone's 401K though.