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underpants

(189,813 posts) Wed Apr 2, 2025, 08:20 PM Wednesday

I moved my 401K type plan into bonds today [View all]

I was in a 2030 plan that was 67% in stocks. Returns suck across the board.

Talking to our retirement rep today I figured bonds would be safer.
50% in a Retirement portfolio that’s 65% bonds
50% in an Inflation protection plan that 97% bonds and then cash.

Not a huge balance. Sort of a cash in the backyard thing for me to dip into when I retire (about 10 - 15 years from now). Maybe a couple trips or some unexpected car repair or something like that. I have Soc. Security* and a defined benefit pension.

* 🤞

30 replies

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Highlight:

I moved my 401K type plan into bonds today [View all] underpants Wednesday OP

DOW futures are down 2.7% gab13by13 Wednesday #1

Smart man. Ellipsis Wednesday #2

People are worried about stagflation gab13by13 Wednesday #3

I didn't touch our portfolio... WarGamer Wednesday #4

Ditto central scrutinizer Wednesday #10

In fact... I might even add-in to our port if we see discount prices in the next few months. WarGamer Wednesday #11

What a strategy: catch a falling knife. . . . . nt Bernardo de La Paz Wednesday #16

I tinker with mine, occasionally - Ms. Toad Sunday #26

Because everything is normal & normal indicators apply & normal patterns apply? Bernardo de La Paz Wednesday #15

This message was self-deleted by its author BannonsLiver Thursday #22

Agreed. Ms. Toad Sunday #25

I am currently doing a government money market fund anciano Wednesday #5

I moved a large percent into 3 and 5 year funds with guaranteed 4.5 and 5% respectively in Dec and late Jan. MLAA Wednesday #6

My financial advisor has done pretty much the PoindexterOglethorpe Wednesday #7

I was just talking to people at one account today Meowmee Wednesday #8

Royal Bank Canada and BMO (Bank of Montreal) have Canadian funds available in US dollars, and US operations Bernardo de La Paz Wednesday #17

Yes I know thanks 😁 Meowmee Wednesday #20

If I had that long before retirement I would have stayed invested in stocks, esp dividend paying stocks. beaglelover Wednesday #9

Yup. Ms. Toad Sunday #27

Smart move. Will be a rough 3-4 months for any Krasnov portfolio. bucolic_frolic Wednesday #12

I moved them into Money Market not long ago. Earthrise Wednesday #13

You're lucky to have a defined pension plan, they mostly did away with those years ago ... cliffside Wednesday #14

Defined Pension Plans are also invested heavily into stocks MichMan Saturday #23

True and probably should have said that professional money managers might have taken a more defensive ... cliffside Saturday #24

I'm not too far from retirement age, so I've got significant exposure to bonds, and I'll tell you... LudwigPastorius Wednesday #18

Been thinking about that as well exboyfil Sunday #30

Probably a good move. radius777 Wednesday #19

Longer term charts SPX and consolidation periods ... cliffside Thursday #21

4.2% IRA CD CountAllVotes Sunday #28

My primary IRA was 70% Bond 30% stock exboyfil Sunday #29