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Hi all, I will receive a lump sum payment for my Defined Benefit Pension Plan, which will amount to half of my investment assets. I need to decide where to invest it. I aim for a 50/50 asset allocation. While I understand the wisdom of not attempting to time the market, the impact of near-zero...

No problem. Stay put in money market.

I am looking for company at the forefront of carbon capture technology. Carbon capture will be a game changer. Searching through Google, only found a few start up, Occidental Petroleum showed up. Anybody has insight?

Interesting discussions. Moving forward: 1. If the Fed is right, start lowering interest rate and inflation goes down to 2% next year or two, then bonds value will go up. 2. If 5% Fed rate become new normal for years, then bonds value stay the same. I know it is not possible to predict the...

Japan was in deflation for a while, until recently. To learn good and bad things about deflation, we just look into their economy.

May I ask: how did you figure 3500 is in line with reality?

Just realized today is the end of the year for the stock market. Time to forecast for 2024: 5280. It is the number wrote down on my note pad. It was the dollar amount of one of my GICs that I renewed today.

Over 6 trillion dollars sitting on MM. The Fed will lower interest rate. S&P will go up for sure. By how much ? I will wait until the end of 2023 to guest.

I agree. When the Fed start lowering interest rate, any interest on another poll: eerily similar to 70's - 80's: Yes or No. 😊

First quarter 2024 Second quarter 2024 Third quarter 2024 Fourth quarter 2024 2025

Any interest? If so, please help set it up. I don't know how. Thanks.

+1

SOXX iShares semiconductor ETF

That was what I told my former boss and he said you had to learn. I have been wine drinker since. I like wine.

I think OP is panic mainly due his medical conditions. Tropical, You received many good advice here. There is no certainty in life. You just make the best you can. Take care.

It is different this time Interest rate was around zero more than one decade. It was unprecedented. It is different this time. No economist can figure what will happen. We'll see how it will pan out.

Fed rate stayed low too long from 2008 to early 2022. Hedge funds borrowed cheap money to invest in stocks, pumping up the stock price. Leverage is now very high in the hedge fund sector. Consumers borrowed money to spend. They are in debt trouble. The Fed antidote is +/- 5% rate for a year or...

Thank you very much Lsbcal for keep updating the chart. Past performance does not guarantee future return. However, we learn from the past to plan for the future.

Is VYM better than SCHD? VYM is also a high dividend yield ETF.

Many good advice, as always from nice folks in the forum. Congratulations on your financial success. If the counsellor didn't touch base on feeling empty and becoming father, perhaps you need to talk about it in the next session. I understand it is not to share with us. Take care.

I take it whenever my heart is pounding hard, twice a week.

Fed rate stayed low too long from 2008 to early 2022. Investment firms borrowed cheap money to invest in stocks, pumping up the stock price. The fed will stay course on over 5% rate until they see clear sign of inflation will go back down. However, if there are unforeseen circumstances then all...

If the Fed raise interest rate, will it deter people spending too much for Christmas? If it does, the Fed will raise 0.25%.

Thank you all for responding. Thanks to pb4uski and CRLLS for your calculation. Good catch finnski1. Thanks.

Update Hi all, I have two options: 1. Lump sum: $380,000 2. Joint survivor monthly pension: $1,750 for my life time / $1,100 for my spouse when I pass away The pay out or pension will start next year. I am inclined to choose a lump sum payment. Based on family history, 80 years old is...