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Old 09-29-2016, 02:19 PM   #21
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No changes planned. However, I do have cash for investments if things go south. I understand adult beverage consumption tends to increase when times are tough. Maybe I will keep an eye on that market.


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Old 09-29-2016, 02:31 PM   #22
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Originally Posted by Badger View Post
No changes planned. However, I do have cash for investments if things go south. I understand adult beverage consumption tends to increase when times are tough. Maybe I will keep an eye on that market.

I just moved a large chunk of cash from a condo sale to a money market acct in my Vanguard portfolio, despite my advisor's recommendation that I would be missing out on any gains and dividends. I think it is prudent to anticipate some volatility in the next few months. And if it doesn't happen, I will accept the small loss and put the cash to work with my normal AA.

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Old 09-29-2016, 03:52 PM   #23
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Old 09-29-2016, 04:47 PM   #24
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Originally Posted by CountryGal View Post
For us the future is "now" - in a way. I have been wondering if I should shift (just a little) away from stocks to possibly buy back if there is a downturn. Thoughts?
Shifting makes sense if you are uncomfortable where you are now. Everyone has their own comfort zone.

Our asset allocation plans actually state we are ok with a fairly wide range of equity/fixed asset ratio and we adjust our ratio to a higher or lower exposure to equities based on comfort level with current events. We have had a high equity exposure for many years (~85%+) up to early retirement. Earlier this year, we dropped that to ~ 80% to be more comfortable in what we see as a relatively highly priced market. The possible response of the markets to the elections as well as Fed actions / non actions are making us consider dropping our equity exposure even more. Not sure if we will or not but certainly giving it very serious consideration.

Bottom line is there is no right answer....just need to pick a plan you can be comfortable with and doesn't put your risk level higher than you are ok with. The higher the equity exposure, the higher the potential losses in a downturn. For example of possible losses (based on history):

From Boggleheads...

From Merriman
Fine Tuning Your Asset Allocation Tables 2016 - Paul Merriman | Paul Merriman
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Old 09-29-2016, 04:48 PM   #25
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Yep. I believe business thrives on predictability. Once the election is decided, business will have to adapt to whichever direction the country selects and the vortex of change will reduce somewhat. Yesterday, I sold about 2% of our assets and will hold those proceeds, along with all ongoing amounts in cash. Once the election has passed, I can get back in, only sacrificing a few hundred dollars' missed dividends. Additionally, due to market growth, I will use this as a rebalancing opportunity.
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Old 09-29-2016, 05:15 PM   #26
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I went to cash. Now to put half on red chip stocks, half on blue, and the last half on white.
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Old 09-29-2016, 06:31 PM   #27
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Originally Posted by Meadbh View Post
I have invested in popcorn.

Op, I never make any life decisions based on an election. ever.
My darling girl, when are you going to realize that being "normal" is not necessarily a virtue? it sometimes rather denotes a lack of courage~Aunt Francis
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Old 09-29-2016, 09:01 PM   #28
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