If a recession actually is on the near horizon - what’s best to do with 401k funds? Move to bonds? I heard those suck too. Not sure what to do. Ride it out? Right now I’m basically 70/30 stock/bond

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Keep buying as you normally would, assuming you’ve got 10+ years until retirement.

You can’t time the market. But what you can do is back the truck up and load it up when prices are low .... knowing that eventually the market will be hot again

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Yup. My retirement savings are much greater because I loaded up on shares in 2002 and 2008-9. I have been moving some higher risk stuff like emerging markets shares to bonds this year as the market was at highs. I don’t really expect bonds to do amazing in a recession but they also are less volatile normally.

If you’re 55+, yes. If not - you’ll be fine. Ride it out

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Permanent life insurance, go with a mutual company

funny

Nothing.

Thanks, all. Should I reallocate back to 90/10 stocks/bonds then? Or leave it as is. I’m only 27, not retiring any time soon

If you’re only 27 then you should be 90/10, not 70/30. You have a lot of time to make back any losses

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