Markets up since election and inauguration

Do u have a notable 401k or u just reciting a panic article lol

this is simply false. typical conservative position is (your age = % in bonds). then by 75 have about 90% if you can afford it.

but even if we use this conservative number, that means 60% in bonds, 40% in domestic stocks for a 60 year old. This tariff event just caused a 1.3% drop in Dow futures, more or less. so zero people got wiped out. which is what i was referring to when asked specifically about 60 year olds. ill be in 90% bonds well before then but i get most people dont invest early enough.

now, if we're talking future forecast? its a crap shoot. if the tariff calls keep coming and some stick, all bets for the market are off and people could get screwed big time. which im against, and im against tariffs as a primary strategy overall.



you're still not saying anything.

This post was edited by thesnipa on Feb 3 2025 01:39pm

This isn’t accurate

Old school rule was rule of 110. 110 minus age = prime equity exposure. This has gone out the window. It’s pretty rare to have over 50% bond exposure even when retired in 2024 America. 2022 also redistributed a lot with the simultaneous collapse of both equities and bonds

What is accurate is how overblown this is - specifically in relation to markets.

This post was edited by Bazi on Feb 3 2025 01:43pm

im happy to admit that im wrong on bond allocation % averages. it was a tangential point for me. my main point was this "dip" was a blip on the radar people are overblowing.

edit: the investing class i took was uber conservative apparently, which is where i got age=bond% and 90% by 75. and i should note the bond allocation chart i had started creep after 40, which really only works if u invested age 20-30.

This post was edited by thesnipa on Feb 3 2025 01:46pm

future forecast is a crapshoot, i will agree with you on that....but right now it surely looks bleak
hopefully trump will walk back most if not all of his tariffs

Yep

Dow is actually up today and others are flat.

There is going to be volatility, you can bet on this 100%. Do you all remember 2019 soy bean wars that were causing havoc on the markets? In 2 weeks the s and p dropped 200 points with panic sell articles coming out. “Just short of 3000, will we have to wait a decade to see this number?” -> an actual cnbc article around that time . Well we hit it a season later , and most people have completely forgotten the effect soy bean wars had on global markets. There is always going to be something. If you are timid, then don’t look at your retirements accounts until youre 55 so you don’t knee cap yourself

This post was edited by Bazi on Feb 3 2025 01:55pm

agreed, we need to hope some of it is hot air and more cases like mexico come up where both sides compromise before they take effect.



thats me! i look once a year for taxes and otherwise crypto is for play money i dont need to retire.

Are we great yet?

You're invested in assets in your 401k, the third party is simply a broker. Again it's insured should a bank or broker borrow your own assets.

Yes sure you date a branch bank manager, wonderful. Telling people to not invest in 401ks though when it's free matching is retarded.

Some guy dating a lady at the bank talking about borrowing and borrowing isn't exactly convincing.

My uncle works for blizzard new MMO soon.

(Married to)


Regardless she is the Area Manager for a bank. I think she’d know a little.

But let’s say this. If you don’t believe what I’m saying. What is your explanation for the documented increase of wait times to receive Social Security, Retirement and benefits related to such?

Do you believe it takes them longer today to process the info than it did 10-20-30-40 years ago because our technology is slower? What’s YOUR personal opinion?

Retirement benefits take longer today to receive.

Social Security takes longer today to receive.

Workman’s comp takes longer to receive.

Tax Returns take longer to receive(some people still don’t have last years).

What do YOU believe is causing these things in the US?

This post was edited by MadMan87 on Feb 3 2025 06:07pm