Because a lot of folks expect to live to 80/90 years old. That's another couple of market cycles between now and then.
It all boils down to how much risk you're willing to endure.
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- Thread starter Allsmiles
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Because a lot of folks expect to live to 80/90 years old. That's another couple of market cycles between now and then.
It all boils down to how much risk you're willing to endure.
That close to retirement, ANY chance of economic instability and I’m putting all my eggs into a money market or something very safe and stable. Hate it for those folks.Don't have any statistics, but one theory is a large number of investors in 401k use the "date style" blended index funds.
For example something like Indexfund2025 for those retiring in 2025.
While these funds comprise 50% bonds they still have 30% US large Cap stocks and 20% Non-US equities.
The Bond portion of the fund held value, but the Large Cap stocks took a large hit and the non-US equities took a smaller loss.
The overall value of a blended fund which many considered "safe" or at least an appropriate level of risk for someone retiring this year still lost 5%.
For a million balance, a 5% loss is $50,000.
Hope it works out for em.
A better question might be why someone who had an economy moving slowly and steady in the right direction would steer it into a ditch?
I mean give it a little gas and keep it moving towards home plate for the score.. nope
Gas that sucker wide open, spin sideways, end up in ditch. In flames.
Crawl out and blame the previous owner as it burns.
I mean give it a little gas and keep it moving towards home plate for the score.. nope
Gas that sucker wide open, spin sideways, end up in ditch. In flames.
Crawl out and blame the previous owner as it burns.
funny....I got it down only 900....ONLY....Hang on tomorrow as DOW futures are showing down 1700+.
News by Dow Jones Newswires on TradingView, 2025-04-07
www.tradingview.com
It has been updated since I posted the link.
down almost 1,000 right now....it's a moving target....fun to watch
I never liked annuities but, if you are loosing sleep. Might be a good idea to set up a steady income stream not affected by the stock market. That being said. The thing to do now is nothing much. Interest rates have been low for a long time. Not many safe plays out there.
