Investments strategy with new administration?

[part-time-Farmer-NC]

My investments are spread out over several different venues. From CD's for short term reach funds, land, MM accounts, 2025 funds/2030 funds and more aggressive fund (about 20-25%). My thoughts were to invest say a third into something long term (ROTH) that I won't need it for 10+ years.

I have IRA 401k & Roth 401k, and rolled over 401k's I guess they are now just considered IRA's.

I have properties I never intend to sell and properties I only invested in (and hunt on). I figure to sell and they can tide me over in the middle before hitting the long term stuff.

I have tried to adhere to the "don't put all your eggs in one basket" mindset.

I hear all the time about gold ira's, gold stocks etc. I cannot imagine putting my $$ into something like that. Its all nontangible idea and at the risk of someone else's opportunity to misuse that too easily at my expense.

Physical gold while a strong medium to retain wealth to me isn't a reliable medium to build wealth. And if you're of the belief that when SHTF and you have gold to back you, how exactly does that work? You break a chunk off your ingot? You melt down enough at a time to "trade" for "stuff"? And then there is the HIGH risk that it can be taken from you.

Someone mentioned about crypto as a medium, I for one don't know enough about it don't trust what I do know and therefore am not planning to devote some of my hard earned Bennies towards it. Sure I may miss that boat, but I'm ok with just doing all right.

Investment strategy for my future... I have been thinking I may pull the long term funds and divert to a S&P only fund or stock not sure which way its listed. I'd be ok with a 8% return as I plan to only withdraw about 5-6% a year anyway. Until RMD's force me to do something different.

 

[orezok]

Does that even cover the dirt work for this shelter?

But yes I agree, you should already be in hiding with your family. One must take precautions under such fascist times.

Yeah, sucks doesn’t it?

 

[Snobdds]

Yeah, sucks doesn’t it?

What sucks?

This is valuable time you're wasting not getting into hiding.

 

[bcs001]

I posted here yesterday about Crypto. I understand most don't understand it and I'll be honest, the only reason I have started to figure it out is my investment service includes an expert who has been slowly teaching those of us who are interested the basics and making recommendations on some of the blue chip names. I did invest a very small amount in Bitcoin 7 years ago that has increased 8X so that gave me the incentive to stay interested.

As the crypto industry expanded over the past number of years and information about how the assets are not traceable, accessible or subject to theft (assuming you use a cold hardware wallet) of any kind by the authorities, i.e. governments, it had become clear it was well worth the effort to understand and start participating in it.

I'm still relatively low on the learning curve but getting up to speed quickly. While it can appear to be "vaporware" and hard to understand how something digital can have any tangible value, the adoption by business for tangible transactions is happening quickly. I'm not putting any large percentage of my wealth into it but with the enormous potential out there for early adopters, the risk/reward seem well worth it.

I invest in mutual funds, ETF, treasuries and equities and don't fully understand all the nuances in what makes them change in value (including federal regulation) so not sure I see how that's much different than understanding Crypto. I'm not a full on prepper but any where I can protect myself from the reach of government, I see this as an additional positive.

 

[Snobdds]

Why do pros make so much money in the stock market? They avoid the hype and buy boring stuff that makes lots of money.

QQQ, SPR

Next

 

[gsganzer]

My financial planner is also recommending "alternative investments" to be a part of our retirement portfolio. These include crypto, minerals, real estate etc.

When it comes to financial security and stability. The wider the snowshoe, the steadier the walking.

 

[gsganzer]

Why do pros make so much money in the stock market? They avoid the hype and buy boring stuff that makes lots of money.

QQQ, SPR

Next

My Dad, who was a broker for 30 years, said you look at trends to help educate you on what will be the markets to play.

For example:
Drinking water and water purification is becoming an issue in many areas of the country. So, you research who the companies are at the forefront of the water treatment industry, and you invest in those.

You're not likely to land on a unicorn that makes you absurd money overnight, but you're betting on the companies that have the most chance of gaining from certain trends.

There's no doubt to me as to why our folks in Washington have their net worth increase at a rate 4-10X the rest of us. They have better access to these trends and the legislation that will impact the companies in these markets, plain and simple.

 

[kenmbz]

We look at what the president is focused on.
Got into UHC when Obuma went ACA crazy and did well.
Biden went nuts on imigration, but could not invest in that, morally
Trump is going bitcoin, but still gunshy on the high risk.
We have put some money on AI and so has S&P.
Need to be careful as AI rules are still in infancy or don't exist, yet.

 

[dmccarty]

Some of the best advice I have been given on the market is that you don't loose until you take it out. I have lost big, bought at $60/share, last sold at $6/share, but I left the money in the market invested in something else. And as soon as it started dropping I started getting out of that fund.

RSKY

Yep, it is a paper loss until one sells. Last century, in one of the big down turns around 1990 or so, I knew a retired person who panicked and sold stock. He lost a big percentage of his retirement savings. It was horrible. He had been through these down turns before and should have known better.

 

[gsganzer]

My dad also said to never invest in the company you work for, with a few exceptions. The folks that worked for Enron learned that lesson the hard way. Lost their jobs and their savings all in one shot.