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General Discussion

Fiendish Thingy

(21,393 posts)

15. Nope- just keeping things balanced and diversified

Reply to MichMan (Reply #2)

Wed Oct 29, 2025, 07:07 PM

Oct 29

Just spoke with my advisor last week and he said they have been rebalancing all portfolios to keep them from getting overweighted with tech funds.

Moving to cash or money market now might feel like the safe thing to do, but timing the market is a fool’s errand. Cash/Money market accounts will never keep up with even mild inflation, and if we enter a recession as expected, inflation could hit double digits. You might lose money on paper, but inflation will eat away at the purchasing power of your cash.

Our portfolio has survived the crashes of 1987, 2001 dot com bust, 2008 GFC, and COVID, and recouped the losses (which were always less than the DOW/S&P drops) and went on the make significant gains. Some years were nail biters, but we stayed the course and are better off for it.

We are retired now (left work just before COVID), and maintain a moderate risk portfolio of 60/40 stock/bonds.

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Highlight:

When does the Stock Market Crash? [View all] Chasstev365 Oct 29 OP

Trump will Jerry2144 Oct 29 #1

Yes, there absolutely no limits PatSeg Oct 29 #3

People here have been predicting for months and months that it will happen any day MichMan Oct 29 #2

Nope- just keeping things balanced and diversified Fiendish Thingy Oct 29 #15

I exchanged my more volatile investments CanonRay Oct 29 #34

When financial underpinnings of the Trump economy are worse than AI growth prospects bucolic_frolic Oct 29 #4

Up 20k points since 2019 OC375 Oct 29 #5

I switched my 401K from a retirement target date fund Karma13612 Oct 29 #6

So did I. no_hypocrisy Oct 29 #16

I laddered CDs KentuckyWoman Oct 29 #17

Yes, I am looking Karma13612 Oct 29 #21

You could get an FDIC-protected CD and ... Dave says Oct 29 #26

Thank you for this! Karma13612 Oct 29 #29

Same here. GoodRaisin Oct 30 #37

a sign of extreme wealth inequality DBoon Oct 29 #7

This message was self-deleted by its author Midnight Writer Oct 29 #8

Great Points ProfessorGAC Oct 29 #9

Exxon is down because oil is down. Melon Oct 29 #31

And? ProfessorGAC Oct 30 #38

This is absolutely not true. Every section (11 in total) are all up this year Melon Oct 29 #19

Thanks, Melon. I'll delete my post. Midnight Writer Oct 29 #20

Whenever the AI bubble bursts D_Master81 Oct 29 #10

Just about anything could spook investors Fiendish Thingy Oct 29 #11

Who knows? Timing the market is a fool's errand fujiyamasan Oct 29 #12

80% of the run up edhopper Oct 29 #13

I am assuming rate cuts and Ai job trimming Johonny Oct 29 #23

Tech bubble is ready Blue Full Moon Oct 29 #14

When Nvidia... hunter Oct 29 #18

Yep. As Prof G describes, America is essentially an all in bet on AI, with circular deals artificially inflating values pat_k Oct 29 #32

Today was a nutty day Johonny Oct 29 #22

When the AI bubble bursts krawhitham Oct 29 #24

November? Captain Zero Oct 29 #25

There is so much global wealth sloshing around, it has to go somewhere jmbar2 Oct 29 #27

Don't know when, but Prof G sets out how the end will begin: pat_k Oct 29 #28

Yes, it's a bubble. Money chasing money, and the "best outcome" I can see for AI is in specialized verticals, where it's usonian Oct 29 #33

I wish I could comment on all of this lapfog_1 Oct 29 #30

AI companies are reporting huge profits. It's a bubble but kinda different from 1999. Quixote1818 Oct 29 #35

When all the missing economic data is finally released, and it's horrific even with manipulation. Doodley Oct 30 #36

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