Investing - Theory, News & General • Do I Have Enough Time?

Age 69/68 always mostly invested in Real Estate and Cash (CDs).

Do I based on our ages have enough time to have "Time In The Market" vs Timing the market?

Sold all rentals, Should I invest now or just stay with cash?

I guess what concerns me the most is investing in an index fund now and hitting the absolute worst time to do so.

read up on Bob, the world's worst market timer, investing only at peaks. How'd he do? Why?

the question you ask is of an all or nothing in the market or out of the market type, rather than asking or just figuring out what amount of the money you want in stocks and what part don't you want in stocks. Once you figure that part out, you'd simply invest according to that allocation. You're not supposed to change your allocation everytime you "think" the market is overvalued (if you can even define what that means. can you?).

the target date retirement income fund is designed for the retiree. If you look under the hood of that fund with Vanguard anyway, you see it's invested 30% in stocks. So is it too late at 69/68? Well, no, because you'd hold 30% in stocks in such a fund for the rest of your life (this is to help the portfolio keep pace with inflation. Historically, lesser amounts in stock (than 30%) didn't hold up well to inflation. If you live to be 100 you have 30 years left to invest some portion (30% in the case of target date retirement income fund) in stocks for decades ahead.

How much risk do you need to take: https://www.cbsnews.com/news/asset-allo ... -you-need/
How much risk do you have the ability to take: https://www.cbsnews.com/news/asset-allo ... -you-take/
How much risk do you have the willingness to take: https://www.cbsnews.com/news/asset-allo ... tolerance/
How to deal with conflicts between the need, ability and willingness to take risk: https://www.cbsnews.com/news/asset-allo ... ing-goals/

Statistics: Posted by arcticpineapplecorp. — Sun Aug 25, 2024 7:15 pm — Replies 11 — Views 1177

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