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View Poll Results: Are you changing your asset allocation due to pandemic market impact?
Staying the course 229 74.11%
Selling it all (or a lot of it) 41 13.27%
Other (please explain) 25 8.09%
Pie 14 4.53%
Voters: 309. You may not vote on this poll

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Old 05-20-2020, 09:39 AM   #81
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Location: Midwest
Posts: 2,351
Originally Posted by Mark1 View Post
I seem to have 2 conflicting rules in my portfolio managing strategy right now.

Rule 1) Stay the course and follow the spreadsheet and rebalancing bands.
Rule 2) Don't invest in things you don't understand.

Right now I don't understand how the Market can be at its current level with the current state of the economy. I know that the Market looks into the future, but I don't remember it ever looking that far into the future ()>
Situation Normal, Defcon 5 AA for me is 50/50. That allows 15 whole years in fixed income. Currently I'm all bonds/cash since 3 Feb. Yes, I don't understand why the patient is moving either.

Given current circumstances I find it hard to believe there won't be a sufficiently conducive time to get back into the stock market in the next 15 years. On top of that I will be 63 soon so I probably won't need 30 years worth of survivability.

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Old 05-20-2020, 09:47 AM   #82
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Join Date: Nov 2010
Posts: 622
I vote other.

I went to a new balance of equities a few years ago, 20/80. I was getting hammered by various tariff/trade wars on internationals, and that was also hitting my US equities. I don't consider that normal market risk, so with highs in the market, I reduced my AA.

The 20% in equities was kept for tax reasons and were being used for living expenses and paying my taxes for converting tIRA to Roths. The drop combined with our higher taxes may run us out of reg investment money before everything is converted, but we are still largely going to be able to avoid RMDs. We only need two or three years, and we can start Soc. Security without hitting RMDs.

I'm waiting to get back in the markets, and expect to be back into international funds before US funds. I follow my own read on economics and consistently manage to avoid the biggest drops. I don't even try to time the markets. I just balance to what I see as risk/reward management.

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Old 05-20-2020, 07:14 PM   #83
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Stay the course. No change in AA.

May we live in peace and harmony and be free from all human sufferings.
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