How are your investments doing?

[square1]

Far from a perma bear. I just know that things are running out of steam and things will correct. The boomers thinking this party will never end and are paper rich have a huge awakening coming.

I'm trying to tell them to wake up, take the profits, and get out of the market. They do not have the time left on earth to recoup the losses.

It all depends on where one is, if you're in Growth Equities and a boomer in or nearing retirement, I tend to agree.
I'm a boomer and am retiring very soon. I'm not selling, and for the short-term I'm not buying either, just accumulating liquid assets for the inevitable bargain basement prices on more passive income opportunities.

 

[paulsharvey]

We can buy company stock at a slight discount (maybe 15% of market?), and some of our guys do. Couple reasons I dont; investing much in a company you work for seems awful risky; it goes down hill fast, you loose your job, and your stock crashes as well. Another reason, its in Canadian dollars; so just cause the stock went up 2.46% yesterday, doesnt mean its value did.

 

[Snobdds]

I'm a boomer, and I think no such thing. I'm also not about to sell off my portfolio and put it in my mattress because some think the sky is falling.

You literally thought that is what I meant?

Put it money markets, US treasuries, or even dividend stocks.

Warren Buffet has sold most equities and has rotated into almost a trillion dollars of US treasuries.

 

[Snobdds]

Boomers start at 61 years old right?
Personally, I don’t know if I’d tell people that young, to get out of the market today because of a feeling it’s going to have a major correction.
What if you’re wrong, and they miss more gains? A 61 year old has potentially 30 more years on this rock. That’s longer than any previous correction.
At my most pessimistic, I’d tell someone to go to quality dividend stocks and gold ETF’s. That way , they’re still in it for more upside, and downside protected with dividend income… but that’s just me.

Stocks - all time high.
Gold - All time high
Real estate - all time high
Crypto - All time high

There is nothing of value out there anymore.

This is the time to bank profits, put it in some interest producing savings and wait. Then you are liquid to buy when everything goes to hell.

This is not hard.

 

[Oaktree]

You're still missing the point. The DOW isn't the "market". It's a narrow look at one industry.

How do you get "one industry" out of the Dow list?

 

[Torvy]

How do you get "one industry" out of the Dow list?

The DOW is all manufacturing..."Industrials". With only 30 corps on the list, it is exceptionally narrow.

 

[Oaktree]

Stocks - all time high.
Gold - All time high
Real estate - all time high
Crypto - All time high

There is nothing of value out there anymore.

This is the time to bank profits, put it in some interest producing savings and wait. Then you are liquid to buy when everything goes to hell.

This is not hard.

You don't know what you're talking about. There is plenty "of value" out there. Maybe not many bargains, but still value.
Yes, a smart portfolio contains some cash, but if your entire investment is in CDs, you're missing out on a lot of gain.

If all this was "easy", we'd all be millionaires.

 

[Oaktree]

The DOW is all manufacturing..."Industrials". With only 30 corps on the list, it is exceptionally narrow.

Bull. I wouldn't consider Microsoft, American Express, McDonalds or Home Depot to be "manufacturing".

 

[Torvy]

If all this was "easy", we'd all be millionaires.

It is easy and we all could easily be millionaires.

Even if you made the federal minimum and only invested the amount that is taken for Social Security, you would have over a million simply by putting it in an S&P fund and leave it alone for the 50 ish years you work.

 

[Torvy]

Bull. I wouldn't consider Microsoft, American Express, McDonalds or Home Depot to be "manufacturing".

Missing the forest for the trees.

S&P 500: A broad index of 500 large-cap U.S. companies, spanning all major industries. It’s often viewed as the most accurate reflection of the U.S. stock market and a key indicator of overall market health.
Source: What Does “The Market” Actually Refer To?

 

[Snobdds]

You don't know what you're talking about. There is plenty "of value" out there. Maybe not many bargains, but still value.
Yes, a smart portfolio contains some cash, but if your entire investment is in CDs, you're missing out on a lot of gain.

If all this was "easy", we'd all be millionaires.

bad money managers don't know when to take profits...

 

[mark in portugal]

My impression is than money managers know very well how to make money; for themselves at least.
If the client also earns, that's nice too.

 

[Snobdds]

My impression is than money managers know very well how to make money; for themselves at least.
If the client also earns, that's nice too.

Money managers act like Oaktree...they never want you to sell and bank profits because that cuts off their money train too.

You can bank profits, idle for a bit and then buy back once things get cheaper.

You can grow a portfolio much bigger this way then doing the money managers favorite word...dollar cost averaging.

 

[Torvy]

Once we retired, we added more funds that pay dividends. Our investments are still increasing, despite the fact that all of our current income is derived from withdrawals.

Our advisor has given us good advice. There are times when we will pull out of a particular investment and rest that money in something more stable. All-in-all, it works for us. We could, perhaps make more money, but it isn't worth the risk at this point.

Spending is almost always a bigger problem than income. Some people never learned to spend wisely.

 

[LittleBittyBigJohn]

Money managers act like Oaktree...they never want you to sell and bank profits because that cuts off their money train too.

You can bank profits, idle for a bit and then buy back once things get cheaper.

You can grow a portfolio much bigger this way then doing the money managers favorite word...dollar cost averaging.

I've tried it both ways. I have a small account that I trade individual stocks. I've made some gains with it but nothing like the ones I direct into mutual funds and leave for long periods of time. I do consistently better in the areas where I have left money in than trying to "time" the market.

 

[CloverKnollFarms]

I'm all in for a Dec rate cut and the SCOTUS likely limiting tariff powers of POTUS.

Things go up and down, but I've have 14% more upside than downside in my investing career.

I don't try to time the market, I don't move things around. Look at fundamentals and choose wisely and sit, that is all I do.

 

[ponytug]

I'm all in for a Dec rate cut and the SCOTUS likely limiting tariff powers of POTUS.

Things go up and down, but I've have 14% more upside than downside in my investing career.

I don't try to time the market, I don't move things around. Look at fundamentals and choose wisely and sit, that is all I do.

14%/year?

 

[CloverKnollFarms]

It is easy and we all could easily be millionaires.

Even if you made the federal minimum and only invested the amount that is taken for Social Security, you would have over a million simply by putting it in an S&P fund and leave it alone for the 50 ish years you work.

People spend money they don't have on things they don't need. They want a lot of things. The key is wanting what you can actually afford. Discipline is a lost art

 

[CloverKnollFarms]

14%/year?

That's our average over the last 20 years of investing. Yes, 14% per year.

 

[LittleBittyBigJohn]

This is one of my accounts that I do like Ron Popeil and "Just set it, and forget it". It has a neat little snapshot of percentages. I'm seeing similar returns as CKF above.