Retirment funds

[SaggyWoman]

Since the economic downturn and now upswing, did you change any of the placements of your retirement dollars? If so, how? If not, why?

 

[StefanM]

I put all of my 401(k) into an aggressive model. Then again, I'm young, so I can afford the risk.

 

[billwald]

Don't think one could go wrong shorting the dollar or the Mexican peso. That's a guess. I'm retired and on a govt pension. My long term is getting quite short.

 

[TomVols]

Since the economic downturn and now upswing, did you change any of the placements of your retirement dollars? If so, how? If not, why?

I've been buying solid bluechips and growth funds like they're going out of style. I'm as aggressive as they come. I do have some bond funds to even out my riskier international stocks/funds, but I'm well over 85% in equities.

 

[Johnv]

Since the economic downturn and now upswing, did you change any of the placements of your retirement dollars? If so, how? If not, why?

Yes, I INCREASED my contributions. This is a GREAT time to buy. Prices will probably never be this low again!!

 

[saturneptune]

Since the economic downturn and now upswing, did you change any of the placements of your retirement dollars? If so, how? If not, why?

I am running contrary to everyone here. My 401K is with the federal government called the TSP. I was heavily in the market until late 07 when I moved to 100% government treasuries, and have been there since. It pays between 3.5 and 4%. I retired last Friday, and plan to keep it there until the market is growing because of private business, not a artifical, government induced rally.

 

[ReformedBaptist]

I've been buying solid bluechips and growth funds like they're going out of style. I'm as aggressive as they come. I do have some bond funds to even out my riskier international stocks/funds, but I'm well over 85% in equities.

You need to diversify. lol

I made no changes to my 401k. It is conservatively allocated with 50% S&P index, 25% bond funds, and the rest with some small cap growth and international.

I went down about 40% or so. Last I looked I was down about 12%.

Going forward my changes deal more with a higher allocation to commodities than with stocks, bonds, or cash. I am doing this because I believe we are in for a whopper of an inflationary period.

 

[TomVols]

I am running contrary to everyone here. My 401K is with the federal government called the TSP. I was heavily in the market until late 07 when I moved to 100% government treasuries, and have been there since. It pays between 3.5 and 4%. I retired last Friday, and plan to keep it there until the market is growing because of private business, not a artifical, government induced rally.

You should've been more conservative well before 2007. Now that you're in retirement, trying to grow your money instead of guarding your money will only produce a catastrophe. You can find conservative investments that would give you better ROI than 3.5%. Annuities beat that. Some bond funds would, too.

Going forward my changes deal more with a higher allocation to commodities than with stocks, bonds, or cash. I am doing this because I believe we are in for a whopper of an inflationary period.

Commodities are far too volatile for my liking for my retirement dollars.

 

[Salty]

My plan is to ask for donations from members of the BB

my account number is 666-666666-66 :tongue3: :smilewinkgrin: