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Old 05-11-2020, 08:27 AM   #41
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I had been staying the course, but last week's run-up just didn't make sense to me. I sold equities out of my Roth on Friday but left them in taxable since what I have left is still in the black. This moved my AA to 55/45, still not far off my 60/40 target, but the first time I've deliberately moved away from my target since I set one some 15 years or so ago.
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Is anyone staying the course?
Old 05-11-2020, 08:35 AM   #42
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Is anyone staying the course?

Iím staying the course, also. 35/55/10 with a Pension starting January 1, 2021. The 65% in CDs and MM equates to 2.85% interest. Iím comfortable with that for the time being. As pieces of fixed income matures, I will probably dollar cost into both Wellesley Funds. Thatís my strategy and Iím sticking to it!

FYI - Fixed income investments were purchased in 12/2017 in annual tranches over an 8 year period.

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Old 05-11-2020, 08:35 AM   #43
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I bought more on the way down...and have since sold such that Iím back to target AA of 20-25% equities.
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Old 05-11-2020, 08:36 AM   #44
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Quote:
Originally Posted by stepford View Post
Folks making a big change will often post here, perhaps looking for some validation. Those who are standing pat don't often post. Just looking at posts can give a skewed of how most are behaving.

PS. I haven't sold anything and have no plans to do so.
Bingo. Until someone asks, "Staying the Course?" you don't see that the majority of investors are not changing up at all.
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Old 05-11-2020, 08:41 AM   #45
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Standing pat: 55/40/5
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Old 05-11-2020, 08:49 AM   #46
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Bingo. Until someone asks, "Staying the Course?" you don't see that the majority of investors are not changing up at all.
+1

Translation ... boring is good. The turtle won the race .
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Old 05-11-2020, 08:55 AM   #47
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I have sold a little and bought a little. Allocation went from 40/60 to 30/70, and do not plan to go any lower on the equity side.
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Old 05-11-2020, 08:59 AM   #48
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I was 60/40 for 7 months before the crash and was negative 800k from peak but went 96/4 and threw every shinny penny into the market when the Dow was dropping between 20k-18k and now back break even for the year.


Edited: between 23k-18K.
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Old 05-11-2020, 09:03 AM   #49
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I was 60/40 before the crash and was negative 800k from peak but went 96/4 and threw every shinny penny into the market when the Dow was dropping between 20k-18k and now back break even for the year.
My, you are busy! I'd get ulcers from a move like that.
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Old 05-11-2020, 09:03 AM   #50
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Staying the course- 70/30
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Old 05-11-2020, 09:08 AM   #51
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As a matter of fact, I pretty much sold out when it got "closer" to the top about 10 days ago. The incongruence between main street and wall street was/is bothering me way too much. I did take a small hit, but worth it to me. I will sit on the sideline for a bit and see how this works out over the next few months. Yes, I could have stayed the course, but pulling out of the madness made sense for my mental health.
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Old 05-11-2020, 09:14 AM   #52
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Dirty market timer here. I got out relatively high and bought back in much lower. DH also got out but is slower to move back in. Id say we timef half the portfolio, but we were wayyyy heavy equities bc it's fun money and my LTC. I also stocked up on tp and Clorox wipes in jan. Would like to say I'm brilliant, but we decided not to renew expiring Sam's club card so did a stick up prior to expiration. Lucky not smart.
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Old 05-11-2020, 09:20 AM   #53
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Never hurts to have a thread to help us stay the course. It helps me.
I was moving ahead but I appreciated this thread.

I have mostly stayed the course. I did some tax harvesting and currently added some cash equal to about a year of living expenses. A small part of the portfolio.

I am also using this opportunity to organize my investments after moving from an FI where I had many individual stocks, with good gains, which I wanted to move to ETF & mutual funds. In that way, the slowdown has made it less painful for taxes.
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Old 05-11-2020, 09:39 AM   #54
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Staying the course. Going in 58/42, end of March 53/47 from market action, now at 58/42 again.
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Old 05-11-2020, 09:42 AM   #55
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I took some losses in an international fund. I was going to put it into a domestic total market fund, but decided for stash it into a CD for now. While I believe we will come out of this mess, it may be longer that I thought. I would be very happy to be proven wrong about that.
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Old 05-11-2020, 09:48 AM   #56
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Navy Credit Union. Not available now though as far as I know.

I think I got into the 37mo 3% IRA CD just in time (2 weeks ago).
Moved 2 amounts within 2 week period since they let you add additional
funds in future up to max 150k. Each transfer they gave me $50 bonus and back dated 2nd deposit to date of initial open date.
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Old 05-11-2020, 09:55 AM   #57
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... While I believe we will come out of this mess, it may be longer that I thought. I would be very happy to be proven wrong about that.
I don't know nuthin' but I am mentally and financially prepared for a 3-5 year dip. I, too, would be happy if proven wrong.
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Old 05-11-2020, 09:59 AM   #58
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I have been doing tax loss harvesting and general cleanup, but otherwise holding onto equities simply because I still (hopefully) have a very long timeline on my investment portfolio, so there is time for a large % of it to recover. Knock on wood.
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Old 05-11-2020, 10:02 AM   #59
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Steady as she goes..!
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Old 05-11-2020, 10:11 AM   #60
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I was over 75/25, realized that was too high for my comfort and I have been moving it slowly and am now at about 50/50. Plan to let that hold and see where it goes.
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