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View Poll Results: Are you changing your asset allocation due to pandemic market impact?
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Staying the course
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264 |
74.58% |
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Selling it all (or a lot of it)
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48 |
13.56% |
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Other (please explain)
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27 |
7.63% |
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Pie
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15 |
4.24% |
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Poll: Stay the course or Sell it All. May 2020
05-12-2020, 04:11 PM
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#1
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Moderator
Join Date: Apr 2012
Location: San Diego
Posts: 14,211
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Poll: Stay the course or Sell it All. May 2020
It was suggested a poll be posted
__________________
Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 6%, rental income 20%
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05-12-2020, 04:16 PM
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#2
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,715
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I'll go first. At 77 years old with a very ill DW.......we have enough and we have limited our equities to under 20%. Right now, we are at 11% and will add the other 9% when the time is "right". The rest is a mix of municipal bonds, CD's, and cash. No debt either.
No stomach for a big paper loss with maybe 10 years left.
__________________
*********Go Yankees!*********
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05-12-2020, 04:18 PM
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#3
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Aug 2016
Location: Northern Virginia
Posts: 7,582
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Stay the course....thousand points of light...
Stay the course
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05-12-2020, 04:19 PM
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#4
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Moderator
Join Date: Nov 2015
Posts: 13,911
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I am voting pie because i want to just changed the sizes of the slices of the pie.
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05-12-2020, 04:22 PM
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#5
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Moderator
Join Date: Apr 2012
Location: San Diego
Posts: 14,211
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I always choose pie.... Preferably pecan.
__________________
Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 6%, rental income 20%
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05-12-2020, 04:25 PM
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#6
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Thinks s/he gets paid by the post
Join Date: Mar 2009
Posts: 2,985
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Staying the course. Being prediabetic i avoid pie.
__________________
Took SS at 62 and hope I live long enough to regret the decision.
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05-12-2020, 04:25 PM
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#7
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Thinks s/he gets paid by the post
Join Date: Apr 2008
Posts: 2,024
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Staying the course, albeit misleading.
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05-12-2020, 04:28 PM
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#8
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2007
Posts: 13,226
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Sold a bit of equities. Was right at my AA, now I'm 5% short.
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05-12-2020, 04:33 PM
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#9
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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I voted stay the course, but I did make a slight reduction (4%) to the equity portion of our AA, now at 27/40/33.
__________________
Numbers is hard
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05-12-2020, 04:42 PM
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#10
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Moderator
Join Date: Feb 2010
Location: Flyover country
Posts: 25,341
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No change to my plan of 50/50 AA, but the market magically adjusted it to 38/62. I was very impressed. 
No hurry to rebalance but I'll happily do that in time. I have no problem with buying a rising market, and I'm fine with missing a bit of gain during the bottom.
__________________
I thought growing old would take longer.
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05-12-2020, 04:43 PM
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#11
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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I reduced equity by 10% back in March (some of that was due to markets decline) and will hold at a 30/70 mix.
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05-12-2020, 04:53 PM
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#12
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2013
Location: Limerick
Posts: 5,655
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I offloaded stocks like RCL, BA, O and a few that were harvested for tax losses. Put some additional cash aside, but also added to AMZN, C, MAIN and CMG.
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05-12-2020, 05:00 PM
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#13
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Thinks s/he gets paid by the post
Join Date: Feb 2016
Location: SoCal
Posts: 1,293
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My 457 has been in stable value for about 15 years, now earning 2.3%
My taxable account is 100% stocks.
My Roth is 100% stocks. I haven't changed anything in those.
I did buy 45k of SBUX at 54 and 4k of SPG at 50.75 in March.
Also collecting rent from 3 tenants who have fully paid their rent.
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05-12-2020, 05:03 PM
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#14
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Thinks s/he gets paid by the post
Join Date: Oct 2002
Location: Chattanooga
Posts: 3,892
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Staying the course, I've been to this dance before.
__________________
Earning money is an action, saving money is a behavior, growing money takes a well diversified portfolio and the discipline to ignore market swings.
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05-12-2020, 05:16 PM
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#15
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Thinks s/he gets paid by the post
Join Date: Nov 2013
Posts: 1,048
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45 and 43. Sold off 60% in February and another 20% in March. Will go back to 80% equities at some point.
Collecting a paycheck plus rent from ten units. No delinquencies yet.
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05-12-2020, 05:36 PM
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#16
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Full time employment: Posting here.
Join Date: May 2007
Posts: 883
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Staying the course, again... Not a fan of turning paper losses into real money losses.
__________________
"It is better to have a permanent income than to be fascinating". Oscar Wilde
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05-12-2020, 06:09 PM
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#17
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,339
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Sold out in March as my portfolio drifted down towards what it was when I retired at the beginning of 2012 but after withdrawals for livings expenses, paying cash for a winter condo, replacing a one-car garage with a two-car garage with a bonus loft. While down from end of 2019 I still had substantial capital gains... enough to use all of my 2020 Roth conversion headroom... but negligible taxes this year.
Currently about 47% in CDs that have a weighted average yield of 3.31%, 11% in preferred stocks that yield about 5.75%, 4% in SWAN and the rest in short term federal and muni funds yielding about 1.5%+/-.
Watching and waiting to see how things sort out. I believe this will be worse than 2008/2009 but not as bad as the Great Depression.
Will go back into equities eventually but probably via options rather than direct investment.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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05-12-2020, 06:22 PM
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#18
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 9,071
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Although I sold I'm actually staying the course.....conservative. But I'm more conservative now. 
__________________
Retired 3/31/2007@52
Investing style: Full time wuss.
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05-12-2020, 06:28 PM
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#19
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Full time employment: Posting here.
Join Date: Sep 2007
Location: Portland
Posts: 584
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I dialed it down to 25/75 - it was 50/50. Lost 30% paper profit from last year. It is ok.
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05-12-2020, 06:59 PM
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#20
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Thinks s/he gets paid by the post
Join Date: Dec 2018
Location: DuPage County IL
Posts: 2,727
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 Quote:
Originally Posted by rodi
I always choose pie.... Preferably pecan.
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peach. staying the course and buying.
__________________
Rich
Ham Radio, Sport Pilot, RVer
FIRE: 8/11/2005, age 55y,1d
Dispatcher, then shift supv, then administrator for a regional 9-1-1 call center
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