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Where to put $100K in the coming months
Old 03-24-2020, 10:04 AM   #1
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Where to put $100K in the coming months

I've got a couple CDs maturing in the next two months and will probably be dipping the toes back in to equities in my Vanguard account. I don't do individual stocks, but wish to find some good index funds. I already have a large chunk in Total Stock Market Index Fund and Total International Stock Index Fund. I'm looking for recommendations for what you savvy investors think might do better, maybe targeting sectors that will bounce back quicker than the whole market. I am a medium risk investor and will not need these funds for 5+ years.
Thanks, and stay safe everybody!
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Old 03-24-2020, 11:05 AM   #2
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... I'm looking for recommendations for what you savvy investors think might do better, maybe targeting sectors that will bounce back quicker than the whole market. ...
My guess is that most "savvy" investors don't try to pick stocks or sectors.

Think about it this way: Unless you have inside knowledge that "the market" as a whole does not have, the prices in the market always reflect a consensus on the economic value of a sector or stock (the "Efficient Market Hypothesis") plus/minus a psychological factor. So picking a sector is basically making a bet against the consensus and predicting that a future consensus will give the stock or sector a higher valuation. IOW, a gamble. Nothing wrong with gambling as long as you understand it for what it is.

Your two funds are the best long term strategy. Buffett: The stock market is a device for transferring money from the impatient to the patient.

Entertainment for shut-ins: https://review.chicagobooth.edu/econ...kets-efficient Fama and Thaler talking about market pricing. Beware: The transcript is edited and not complete. You'll have to watch the video to get the full benefit of these two Nobel Prize winners' wisdom.
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Old 03-24-2020, 11:08 AM   #3
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I was actually thinking about buying a bunch of Exxon stock since oil is so low. When the virus is gone and the economy starts roaring again, oil prices should rise along with it. With regards to your question, an energy mutual fund would be one of my first choices for mutual funds (they also pay dividends).
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Old 03-24-2020, 11:10 AM   #4
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I would just add to your broad index funds when you think the time is right. Beware the bear market rally and do your buys gradually.
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Old 03-24-2020, 11:39 AM   #5
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If you are talking literally the next couple months, I'd vote money market fund while this all shakes out. I get if we have money in market already leave it but does anybody honestly think this looks better in a few months when earngins investments come out down and the death toll is still rising?
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Old 03-24-2020, 11:49 AM   #6
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I was actually thinking about buying a bunch of Exxon stock since oil is so low. When the virus is gone and the economy starts roaring again, oil prices should rise along with it. ...
But everybody knows this. Don't you think the stock price already reflects the consensus expectation? If no, why not?
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Old 03-24-2020, 12:32 PM   #7
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I just put some $ into Ally Bank's 11 month CD that's without withdrawal penalties. You give up a little on the interest rate, but it pays far better than my credit union's .30% APR. And you can get to the $ whenever you might need it.

It's my bridge to having to take RMD's in 2 years.
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Old 03-24-2020, 04:18 PM   #8
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I'd make a plan to dollar cost average into an S&P 500 index fund over the summer, say 20k per month with 30 day limit orders.
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Old 03-25-2020, 03:30 AM   #9
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When aiming for low sectors or stocks just remember they have to stay in business without a bankruptcy for you to profit off the equities.

When bond holders own most of the assets I believe it is typical that they take a haircut and a new company with same or similar name is formed with a bit of fresh capital if losses insurmountable.
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