also should probably keep some cash in your brokerage accounts and not be 100% invested. i am 20% cash just in case something happens or i see a good opportunity or if i just need the cash.
https://www.portfoliovisualizer.com/backtest-asset-class-allocation#analysisResults Cool tool to do back tests on various investment strategies historically. Fun fact: if you made an investment at the beginning of 2000 in a Total Bond Index, it would've outperformed a Total Stock Market Index through the end of 2016.
That's the reason I'm in an 80/20 portfolio for taxable money. Since it's all ETFs, the liquidity is there.
i think though there is some value in seeing what was likely the most presidential thing hes ever said/done. he coulda said the same things and be an ass about it last night and i'm not sure the same pop would be present. saw some tweets where the WH was like, hey we havent changed policy but everyone likes the speech? yeah thats what happens when you turn it off 11 and have a conversation that is measured and calm discussing a farier/flater tax code and that the fed shouldnt fuck people over with regs etc.
Hawkish statements from several prominent Fed officials as well as increased optimism for economic growth are pointing to a strong possibility for a March interest rate hike. Probability that the Federal Open Market Committee will approve an increase at its March 14-15 meeting zoomed to 69 percent Wednesday morning, about double what it was the day before, according to the CME. Other gauges cited by market watchers point to a greater than 80 percent chance. Just last week, the market was pricing in less than 1 in 5 odds that the FOMC would move. Stocks were pointing to a sharply higher open on Wall Street, while government bond yields surged as well. The benchmark 10-year note stood near 2.47 percent, its highest level in two weeks.
i realize this wont be the most popular move but anyways: Took $10K out of my 401K in October for a first time home purchase Looked this morning and I've already made it back plus some #ThanksTrump!
least you didnt have to pay the extra 10% penalty since you used it on a DP. i dont fault you for that
I don't think there's anything wrong with that. Taking it out to say, buy a boat, you're a fucking moron.
This is true if you bought and held the entire period and didn't make regular contributions. But if you contributed a fixed amount to your account each month (can be tough to stomach in a bear market), a 100% stock portfolio (VTSMX) outperformed any allocation to bonds. That being said, we're likely to experience rough 10 to 20yr market cycles, like 1965-1982 or 2000-2010, when stocks underperform bonds and other asset classes. As cliche as it sounds, asset allocation all depends on your time horizon and risk tolerance.
I read an article on Motley Fool a year or so ago that your luck of timing is also a huge factor. Two similar 40 yr investments in the exact same index funds would yield drastically different returns depending solely on the years you first contributed and when you first withdraw. That's sort of obvious, but it just goes to show you can do everything "right" and still not turn out as well as the lucky people just born at the right time.
Got my lump sum profit sharing 401k deposit today from work that we get once a year. Was about 15% of salary. One of the big things that's kept me at current job over the years
This spring after I bought my house and had a small amount of money left we had saved for the down payment I said to my wife we should buy some EXAS. I didn't.
definitely can't complain about a bonus, but it kinda sucks to get that 401k deposit on a day where the markets set a record high
Eh, I don't mind. I get a cash bonus in early February and the profit sharing always comes in late Feb early March. They say it's supposed to be 12% of salary but it always comes in more like 14.7 or so. My 401k is ridiculous for my age and time at the company because of this
Just had taxes done. My wife and I didn't change anything when we got married, so we were both claiming Single and zero all year. Our deductions added up to like 20K with the house and charity and all that, so we're getting back $7K between fed and state. I'm changing withholdings for both of us first thing in the morning.
That's amazing. Our profit sharing starts out at 2.5% and caps out at 7%. I really wish we'd get our ESOP game going again or unfreeze our DB plan. Neither look promising.
It is. I'm spoiled but you should also be happy with that profit sharing (as long as it's on top of a match) so many people get nothing. Call it an even 5% and that still tight
I get 4% profit sharing (didn't get it last year as I wasn't employed for the entire year). No match. Pretty lackluster funds we can invest in too.
jobs report blew it out, mainly in construction too. strong. now the rally can continue on data rather than animal spirits.
Fed Funds futures are predicting a 100% chance of a rate hike this Wednesday. The market is indicating a 50.5% chance we are 50 bps higher by June.
The market is only pricing in a 4% likelihood of a 50 bps move on Wed. I think it was a 12.5% chance of 50 bps (total) by the following meeting and 50.5% by the Jun 14 meeting.
hey, nice when you work in O&G and all of your stock is taking a nice big dump with the market today...
potentially when it looks like it bottoms. Believe Saudi has some June/July meetings that could effect us more. Most of my exposure is unvested stock, so I'm holding it regardless of price at the moment.
I tend to buy right after somebody wins the mega jackpot. The number of entries are way lower and it's still a few million if you win.
Im thinking about putting some in FCX. Had dinner with my uncle, who is an executive at a S&P 100 company, and I always ask him what sectors he likes. Told me mining stocks should be good over the next coupe years. I don't ask for specific companies for compliance reasons etc. Looking at FCX it seems to be more beat down than the rest of the sector so thinking about giving it a shot. Looked at a couple more companies that were in the ETF that you pointed out (RIO, GLENCORE) but they seem to have recovered a bit more than the sector as a whole while FCX still seems pretty beaten down.
Not an expert in the sector as a whole but FCX seems to have been dealing with non stop regulatory and labor issues over the last several months, which may be the reason they're lagging. That's obviously unavaoidable in the sector to an extent, but you might want to look into that a bit before buying too much.
If you are talking to me, I only own ETF's in my retirement portfolio. This is more like a little gambling money / shorter time horizon play. I do give weight to what he tells me as 1) he has been right before and 2) he runs companies and I feel like he has insight into their earnings etc. feel like they can see the flow of money before the info becomes public. That's also why we don't discuss specific companies because he knows I'm a trader and neither one of us wants to end up in the pokey.
Just came into some $$$ I need to get out of my checking account - nothing big... $15k - $20k. I have money in both Vanguard and Etrade. Any advice on where to sock it away in this (seemingly) overvalued market?
Any thoughts on WAC? Stock is down 74% over the last 3 months, fell 39% on Tuesday 52 week low, closed at $1.60 per share...just got my Robinhood account and I'm thinking about buying...