Here is where I am getting my portfolio on Monday:

5% SRTY
10% crypto
10% O&G
10% S&P500
65% bonds and cash

like
Posting as :
works at
You are currently posting as works at

65% in bonds and cash?

like

Correct, CD1. I do think it will keep going down, but just in case, starting to gradually increase my exposure to equities.

Is this in preparation of buying more? Then I agree, if this is a long term allocation - that’s not gonna help long term.

like

👍👍👍

This is an extremely uneducated tactic. There are studies showing that by missing the 5 best performing days in the last 40 years, you are missing out 1/3 of the gains. That's 5 days out of 10,000 trading days( 250 trading days a year times 40 years). A handful of market gaining days literally sets the course for your entire investment journey. In times like now with extreme volatility, you are more likely to lose gains than to time the market right and come out ahead.

like

K

Ya, why so much bonds and cash? Especially if it means selling in a down market, seems very conservative when now if a buying opportunity

Opposite...I am increasing my exposure to equities, not reducing.

I'm curious about your age. If you're anything younger than 40-45, I'd say you're taking it to the extreme

35, but <4 years from retiring.

Real estate? I have a ton in multi family REPE funds through Cadre.

Ah, sorry. I see that now. I am not super bullish on real estate. I bought lots of property back in 2008, so if that situation came up again...I would definitely reconsider that position.

Yeah, for clarification, curently:

8% SRTY
5% crypto
5% O&G
8% S&P500
74% bonds and cash

Related Posts

How do you manage the long hours M&A can have at times?

like

How do start a new career at 50?

like

Y’all have any good games to play with a group of friends?

like

Is BRK-B a buy right now?

like

Whew. It's been a busy morning, I've had a lot of fun responding to some fascinating questions around business and ethics for the last couple hours.

like

Any conda users in here have to install a binary and use conda forge? Need some help installing pdftotext. Throwing a weird message saying “Found conflicts!” Any and all help would be appreciated.

like

I’m a recruiter based in DC and the fall lateral market for government attorneys is going to be exceptionally strong. If anyone is looking to transition to private sector, please DM me.

like

Landed a job in NYC. As much as I want to live there and will be moving in with my partner I think the most financially savvy option is to live in Jersey city to save on the city tax. Both our salaries would definitely go up next year so moving to the city would be a huge possibility in 2022. Has anyone else started our in Jersey city first ? Is it worth it or should I just try to make it work in NYC ?

likesmart

Any male 🐠 in Rio next couple of weeks ?

My boyfriend and I have greatly been considering moving abroad. We have things we want that we simply aren’t able to get in the US?

We’ve been considering Germany as one of our top choices, but we’re at a bit of a loss for the best way to go about it. Do we try to secure jobs first, or do we just try to live there and find a job once we’re there. He works in a kitchen as a cook and I work in Graphic design. Any advise is appreciated

like

Does anyone know where I can go to look up SPG/Delta related challenges? Loosing my SPG Platinum status next month and looking for ways to get back on

like

If you are on an FWA, do you need to meet your FWA utilization hours every week? I.e I am 75% so do I need 30 charge plus whatever admin hours to mercury? I am talking to my people consultant and she seems to think so. In a job that is highly seasonal, how is this possible??

like

What’s the best way to make a million dollars as a mechanical engineer?

funnylike

Hello everyone, I need advise on getting into a pharmaceutical company like Novartis. I have applied to many position but have gotten denied. I know with my experience, Dedication, hard work, and quick to learn new systems I would be a great fit for the company.

like

Actual photo of a partner examining my soul after they drained it from me.

Post Photo
likefunny

Is anyone familiar with filial responsibility laws? I have major doubts that my in-laws have enough saved for retirement / it seems they are planning to rely on SS despite currently living a pretty lavish lifestyle (brand new house, luxury cars, routine spa appointments, expensive dinners, etc.). I’ve heard of cases in PA (luckily we don’t live there), but what about other states? Also, I’m assuming if things go south at the end they can rely on Medicaid for long term care?

like

I am pega devloper current ctc 14.4 have an offer for 23 fixed....how much i can ask for citi with 8 years overall experience

like

Helo Fishes,

Pls help me get 11 likes start messaging.

Thanks in advance

like

I have got an offer from Cognizant and completed document submission then they are asking to do prejoining formality. What happened if i am not going to join this company afterwards.. do they black list me ?

like

Additional Posts in Personal Investment Chatter

Would anyone like to share ways they give back or donate? And at what % of net?

like

Worth buying VTI today? Every week I am buying and it’s going lower and lower the next day. I bought it yesterday and today it’s 5$ lesser than yesterday!

like

How important is it to diversify your index funds? I have mainly large cap US funds, but wanted to see if it’s suggested to diversify into small/mid cap and international. If so, what are some good ones?

like

Thoughts on if recession should help ease used car prices?

like

Is BRK-B a buy right now?

like

Is anyone familiar with filial responsibility laws? I have major doubts that my in-laws have enough saved for retirement / it seems they are planning to rely on SS despite currently living a pretty lavish lifestyle (brand new house, luxury cars, routine spa appointments, expensive dinners, etc.). I’ve heard of cases in PA (luckily we don’t live there), but what about other states? Also, I’m assuming if things go south at the end they can rely on Medicaid for long term care?

like

Best investment book recommendations?

like

1 yr treasury bills almost at 4% interest. Maybe not a bad time to buy bills for those looking for a short term investment (assuming you’ve already maxed the Series I bonds)

like

I max out all tax-advantages accounts and put 30% of my take home into an index fund. What/where else can I invest in?

like

Looking for recommendation - books, blogs, podcasts etc to learn about investment in stocks, bonds, options, commodities etc? TIA!

like

26 years old. Thinking about doing Grad school in 2 years. I have been doing Roth 401k. Should I keep on doing that or switch to Trad 401k? Info on this is so mixed :(

like

HYSA - capital one, Ally, SoFi or discover? Looking for a good app, no fees and plus if you like thr checking account.

like

Start tomorrow but I don’t get a match for 401k until 2nd year. Living at home and wanted to pay off my loans. Is it ok if I just do loans, max out IRA, and have an emergency savings? Projected CONTD

Moving to Dallas soon. Does it make sense to buy a condo or house even if I dont think I'll stay there for more than 3 years? I have family there that can help me if I decide to leave and rent this property. Any thoughts? Just dont want to keep paying someone else mortgage. Also want to take advantage of low interest rates.

like

Is is normal to buy a new car at dealership that other people might have had a test drive on or touched etc? I want a new car that no one test drove and no one touch. Help

funny

Hey all! I would appreciate some feedback on my investing strategy: I want to buy QQQ3X when QQQ goes below 118$. I believe a major market reversal (a crisis) should take place in late 19 or (cont)

On personal Capital, how many of you add the value of your car to your net worth

like

I am heavy on US stocks. I keep hearing to diversifying a little bit with bonds and international - feel its a bit over rated if I can withstand volatility and far from retirement. Thoughts? I read a lot on this bowl about not having bonds in portfolio under 40

like

Anyone going in big on gold/oil ETFs?

like

Anybody here invest in the Los Angeles real estate markets? Looking for some guidance! Thank you in advance!

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal