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BH has plenty of free capital. The company I worked for prior to retirement was acquired by BH. They were constantly after us to identify acquisition targets in our niches. They were looking for places to deploy capital, it's not like working with a private equity firm who uses debt to buy up companies. BH pays cash.Freeing up capital for his successor IMO. He’s 94 years old.
I don't have to take RMDs until 2027.Anyone planning to take 2025 RMDs before Jan 20th?
Ignore the noise. Panic selling because your preferred political candidate lost is a bad behavioral mistake in personal finance.I wish I understood any of this. I'm too close to retirement to suffer another recession.
I was looking at my 401K last night and I don't have a lot of good options outside of stocks.
All the bond fund I have are around 2-4% average return over the past 3, 5, 10 years. But that would probably be better than a nosedive in the markets.
In Feburary I have to change my "life savings" from a 5.1 % "CD" I am way too dumb to know what to do with it Right now it is basically equal to Soc sec-so it is a big deal for me-like 25% of my Net income. I save every penny of Soc Sec and this income for "inflation" and Nursing Home care . If they offer me a 4% CD I guess I will take it?I wish I understood any of this. I'm too close to retirement to suffer another recession.
I was looking at my 401K last night and I don't have a lot of good options outside of stocks.
All the bond fund I have are around 2-4% average return over the past 3, 5, 10 years. But that would probably be better than a nosedive in the markets.
I wish I understood any of this. I'm too close to retirement to suffer another recession.
I was looking at my 401K last night and I don't have a lot of good options outside of stocks.
All the bond fund I have are around 2-4% average return over the past 3, 5, 10 years. But that would probably be better than a nosedive in the markets.
Normally that is true but it did take 25 years to recover the losses from the 1929 highs. That would wreck anyone who was anywhere near retirement.![]()
President Trump and the future of stock returns
Since last Wednesday, depending on your political leanings, you have been celebrating or in mourning. Or maybe you greeted the news with indifference. Now, as the dust settles, you might be wondering what this all means for your portfolio. Love him or loathe him, Mr. Trump is a disruptive force...jlcollinsnh.com
Here is a good quick read from one of my favorite authors in personal finance, JL Collins. Hopefully it helps to reassure you.
Jack Bogle, the founder of Vanguard and essentially the father of modern day index fund investing, had a great line, “don’t just do something! Stand there!” It’s a great mentality to have when investing for the long-term.
We’ve had the greatest bull market run in history over the last decade or so, spanning different presidential administrations and different political parties in control. At some point there will be a major correction and a bear market. Just have to expect that, and understand that there are great buying opportunities. As long as you are able to protect yourself with some bond positions to go along with your equities, you just grin and bear it and ride it out. I have been in 100% equities for the last eight years or so since I have really begun my personal finance and investing career in earnest, and plan to continue to do so for another 10-12 years until I am well into my 40s. Obviously each individual investor has their own risk tolerance and their own time frame for when they need their money so everyone has to adjust accordingly. But overall, don’t panic, whatever you do; the markets have survived and thrived through all sorts of prosperity and adversity.
But the good news is there are a lot of good stocks to choose from.I wish I understood any of this. I'm too close to retirement to suffer another recession.
I was looking at my 401K last night and I don't have a lot of good options outside of stocks.
All the bond fund I have are around 2-4% average return over the past 3, 5, 10 years. But that would probably be better than a nosedive in the markets.
Without trying to be to personal, have you ever talked to a CFP? There are a ton of options that offer better returns than CDs without having to push yourself into a higher risk tolerance zone. Whatever you do you have to be at peace with it and stressing over investments isn’t a comfortable way to live in retirement.In Feburary I have to change my "life savings" from a 5.1 % "CD" I am way too dumb to know what to do with it Right now it is basically equal to Soc sec-so it is a big deal for me-like 25% of my Net income. I save every penny of Soc Sec and this income for "inflation" and Nursing Home care . If they offer me a 4% CD I guess I will take it?
ThanksWithout trying to be to personal, have you ever talked to a CFP? There are a ton of options that offer better returns than CDs without having to push yourself into a higher risk tolerance zone. Whatever you do you have to be at peace with it and stressing over investments isn’t a comfortable way to live in retirement.