A year ago, thinking we were overdue for a recession, I began to pull my money out of the market (excluding my retirement $$). Market’s only been sideways since. How have you folks been handling this?

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I have been buying more equities every paycheck. Time in market better than timing the market.

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This guy invests.

Don’t time the market

Would read up on some bogglehead threads, but this is one of the most common investing “mistakes”

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Depends on your use of money.
If you aren’t retiring for the next 10 years, just stay put.

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~4 months ago I pulled out my retirement $$ as well (holding in bonds). Sure, I may have missed some dividend payments (I can live with that) but I think we’ve hit our ceiling. Possible for small gains but not enough to take on the risk of 1 black swan event . Saying goes: pigs get fat, hogs get slaughtered.

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Stupid move.

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It's gold o' clock

Agree with you OP

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Agree with what?

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Haven’t made net withdrawals, but I shifted equity / fixed income allocation from 90/10 to 80/20 last year, and marginal allocations to 50/50.

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Yeah, portfolio risk adjustment is a much smarter (and necessary) move than cashing out and tucking it under a mattress!

Keep the 401K on the riskiest assets you can digest and redeploy post-tax investments to safer assets. The 401K saves you capital gain tax, so you want your highest-risk / highest returns there

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Don’t do this.

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If you dont have perfect information, trying to predict the future is a guessing game. Good luck playing the market part time with a relatively small amount.

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