NameTaken2
Recycles dryer sheets
- Joined
- Jan 15, 2014
- Messages
- 185
Almost all of my retirement $ is in a MM acct because I can't get comfortable with investing in the current high stock market and low bond yields. My fear is that investing now would open the door to the worst-case scenario of "Sequence Of Returns", where a retiree's investments take a big hit in the first few years. I know I'm losing in the MM, but missing small gains isn't bothering me as much as big losses would. There is so much talk of an imminent 10%+ correction, but seems too many are waiting for that and any small down move gets bought.
Financial planners advised me to retire, based on their view that the trend in 2014 and beyond would be rising rates, which would eat into my retirement lump sum. Wrong so far, but maybe not for long -who knows.
Anyone wrestling with this and how the current market for stocks/bonds and the Fed Reserve tweaking look like a big trap? How do you make sense of what's going on -where do you find the best advice/assessment for this scenario? How are you dealing with it? The market marches slowly upward on very low volume, and seems to deflect any bad news. I wonder how much of the low volume is 401K auto-investments and share buybacks -any idea?
Maybe I should just start buying into this hype and begin DCA with very small increments. It just looks to me like a big trap with the jaws about to snap. Any help providing perspective, or recalibrating my psychology on this appreciated.
Financial planners advised me to retire, based on their view that the trend in 2014 and beyond would be rising rates, which would eat into my retirement lump sum. Wrong so far, but maybe not for long -who knows.
Anyone wrestling with this and how the current market for stocks/bonds and the Fed Reserve tweaking look like a big trap? How do you make sense of what's going on -where do you find the best advice/assessment for this scenario? How are you dealing with it? The market marches slowly upward on very low volume, and seems to deflect any bad news. I wonder how much of the low volume is 401K auto-investments and share buybacks -any idea?
Maybe I should just start buying into this hype and begin DCA with very small increments. It just looks to me like a big trap with the jaws about to snap. Any help providing perspective, or recalibrating my psychology on this appreciated.