What is your investment horizon OP? Unless you need the cash for a major expense, then you should not be worried about a market crash. It’s about time in the market, not timing the market.
As for portfolio diversification, stocks have long been shown been to be the best way to maximize your return (not risk adjusted return) over the long term. I’m 100% stocks because (1) I don’t need the money for a long time (10+ years at a minimum) and (2) I don’t need any income from the money currently (the great part of bonds is the fact that they are “fixed income.”)
A1. On the market crash bit, I am worried about it a lot even though I was saving for the LT. It is mainly due to my leveraged positions. If my position evaporated 50% in value; I would be forced to a margin call and I had to force sell my positions
Don't hit real estate yet. Pull out and keep some in cash. When they next real estate crash hits (its cyclic) and people are losing their ass, you come in and scoop up the deals.
Make sure you have a relationship with a mortgage broker / bank before this happens so they know your strategy and can guide you to the correct steps and trim some of the red tape and education.
You never want to pay market value on real estate. That's what people did last time (pre2008) thinking that the valuation growth will make them money. Then they had to sell under market or foreclosed. That's where you come in.
Why do you believe there’s a real estate crash coming? Yes things are cyclic, but not exactly in a 10 year period. I believe the next crash will come from the ETFs or even the auto market
What is your investment horizon OP? Unless you need the cash for a major expense, then you should not be worried about a market crash. It’s about time in the market, not timing the market.
As for portfolio diversification, stocks have long been shown been to be the best way to maximize your return (not risk adjusted return) over the long term. I’m 100% stocks because (1) I don’t need the money for a long time (10+ years at a minimum) and (2) I don’t need any income from the money currently (the great part of bonds is the fact that they are “fixed income.”)
A1. On the market crash bit, I am worried about it a lot even though I was saving for the LT. It is mainly due to my leveraged positions. If my position evaporated 50% in value; I would be forced to a margin call and I had to force sell my positions
Real estate
isn’t real estate bloated?
Don't hit real estate yet. Pull out and keep some in cash. When they next real estate crash hits (its cyclic) and people are losing their ass, you come in and scoop up the deals.
Make sure you have a relationship with a mortgage broker / bank before this happens so they know your strategy and can guide you to the correct steps and trim some of the red tape and education.
You never want to pay market value on real estate. That's what people did last time (pre2008) thinking that the valuation growth will make them money. Then they had to sell under market or foreclosed. That's where you come in.
Never ever buy real estate at full value.
Why do you believe there’s a real estate crash coming? Yes things are cyclic, but not exactly in a 10 year period. I believe the next crash will come from the ETFs or even the auto market
Just watch I get from various sources.
*what