Boy did I ever pick a great month to retire! #StockMarketDrop

[NW-Bound]

Try being ultra-conservatively invested in these times. The stock markets go up? Bond funds get whacked. The stock markets go down? Bond funds get whacked.

But in which direction of the stock market do bond funds get whacked less?

 

[NW-Bound]

You are in fine company here. Look at it as a early Spring sale.

To take advantage of a sale, you need money, which is the same as cash.

Preferably, that would be fresh cash, such as the one coming from a paycheck.

 

[COcheesehead]

I retired in the middle of Covid 2020. I lived to tell the tale.

It sure does help to plan for the worst though because sometimes it happens.

 

[jebmke]

Sitting here watching my all stock portfolios crash .

Piker; I retired Dec 31, 2007.

 

[viking111]

Piker; I retired Dec 31, 2007.

I'd like to hear more about that experience.

 

[young-ish]

I was convinced by the research done by Michael Kitces & Wade Pfau about portfolio allocation & SORR... https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/

Having a low equity allocation during ER has worked out great. No worries about volatility of the portfolio & actually looking forward to a deep decline in stocks so I can buy a little more as I reach "normal" retirement age.