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Additional Posts in FIRE Financial Independence Retire Early
Sooo AMC.. who’s in?
😂
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Mentor
Going on to year 7 in FIRE, and not speculating almost 2 decades into my investing life has enabled me to be where I am. 90/5/5 in stocks/bonds/cash is where I live.
My advice: play the long game, stay invested in mostly stocks and ignore the daily/weekly/monthly movements. Don't speculate - the opposite of investing. Don't take money out when you "suffer a loss"; on the contrary, keep investing when the markets are down.
Mentor
Just a clarification: by stocks I mean stock ETF and index funds. (About 1-2% of my portfolio is in individual stocks but that's just playing around money, to scratch the itch)
Subject Expert
No changes. I chose an allocation that I am comfortable holding under all market conditions, and do not have to change.
This saves me from psychological distress and from the negative performance effects of stock picking, sector and style picking, market timing and performance chasing.
No changes, Im very happy with my portfolio. I have roughly 50% in an S&P500 ETF, 40% in a NASDAQ ETF, and about 10% in a Healthcare sector ETF.
No changes for me. I don’t try to time the market. I’ll play the long game and ride the ups and downs.
If they’re long, it’s probably 90% plus S&P
Mentor
I always rebalance annually to reorient to my strategic allocation… which is 90% Equities/10% Crypto, for my personal portfolio…
Our joint portfolio is a little more conservative than I’d like, but it’s a fair middle ground as my wife is more conservative than I am… so that’s a strategic allocation of 65% Equities/30% Fixed Income/5% Crypto (she hates that)…
If you want to sector rotate that’s fine… but you should always have a strategic and tactical allocation mandate and stick to it…
Yes I will be buying heavily in RE
Coach
Government is supposedly printing again in January. So probably good to move out of bonds into equities before the run up
I tilt annual contributions to industries that are down. This year will be for “value” stocks, commercial real estate, and junk bonds - mostly rate sensitive sectors.
I’m not selling anything, but my investments will be in areas that are struggling.
VTSAX and VBTLX and chill. 70%/30% because I'm 53 and just got laid off / retired.
When I was 20 thru 45yo i was 100% VTSAX
Life is much better when you don't waste time thinking you are smarter than the market or the many many many people who's literal job it is to make the market, and then suck fees out of you. Anyone who has a real edge is NEVER going to share it with you for free. Anyone claiming to sell you the secret knows the real secret is the sale.
Time in the market is more important than timing the market.
Bogleheads.org ftw