Hi, been awhile since i dropped in. Just noticed the big market drop today and am interested in
any educated guesses on where we may be headed in '25, especially relative to those with a similar PF AA to mine. I'm 66, semi-retired, with no debt, investment assets (before today) just over 3M FWIW. Relatively low COLA. PF is 50/50 equity/bond ETFs. Large positions in ST bond (SCHO, SHY BILS ) TIPS and floating rate funds. I've reduced bond duration to mostly short term. Equities are mostly US based - Large cap dividend oriented, and recently boosted small cap exposure...
I'll be in the realm of 95k in div income for this year, roughly in line w/ 2023. I wasn't savvy enough to jump out of bonds ahead of the recent downturn so NAVs have been slow to recover. Bonds continue to frustrate me given that they no longer seem to behave inverse to equities. On days like this bonds AND equities are down in-tandem.
I have no idea what to expect in 2025 but hope we aren't due for panicky volatility for a sustained period. I'm already wary about my SS and ACA being unrightfully screwed with let alone any big market drawdown that could stall what's been pretty stable and steady growth in recent years.
Thanks for any thoughts: )
any educated guesses on where we may be headed in '25, especially relative to those with a similar PF AA to mine. I'm 66, semi-retired, with no debt, investment assets (before today) just over 3M FWIW. Relatively low COLA. PF is 50/50 equity/bond ETFs. Large positions in ST bond (SCHO, SHY BILS ) TIPS and floating rate funds. I've reduced bond duration to mostly short term. Equities are mostly US based - Large cap dividend oriented, and recently boosted small cap exposure...
I'll be in the realm of 95k in div income for this year, roughly in line w/ 2023. I wasn't savvy enough to jump out of bonds ahead of the recent downturn so NAVs have been slow to recover. Bonds continue to frustrate me given that they no longer seem to behave inverse to equities. On days like this bonds AND equities are down in-tandem.
I have no idea what to expect in 2025 but hope we aren't due for panicky volatility for a sustained period. I'm already wary about my SS and ACA being unrightfully screwed with let alone any big market drawdown that could stall what's been pretty stable and steady growth in recent years.
Thanks for any thoughts: )
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