Investing, Stock Market and Retirement Planning Thread

Postby **mac5155** » Tue Dec 12, 2023 3:54 pm

Wooo, we're back. Time to punch out of this thing and move it to the money fund I picked out last month (SWVXX). I thought about riding it until the end of the year but I don't think so.

You missed out on another 3% since...so uh, thanks?

Postby **dodint** » Tue Dec 12, 2023 4:44 pm

I've been making 5.4% since. You're welcome.

Postby **mac5155** » Tue Dec 12, 2023 8:34 pm

Annually though

Postby **dodint** » Tue Dec 12, 2023 10:26 pm

True. I was in a hurry and the math didn't make sense to me either but I sent it anyway.

I'm happier where I am at. The money means a lot to me and I'm not happy to have it subjected to the whim of moron politicians and consumers. This is money I need in 9 months so I can't just ride it out when things go tits up in an election year.

I'm glad you're seeing the gains you want. Win-win.

Postby **NTP66** » Wed Dec 13, 2023 6:52 am

Gains are gains.

Postby **mac5155** » Wed Dec 13, 2023 7:28 am

Gains who said anything about gains lol

I'm up barely 1% since Nov 2021.

Postby **NTP66** » Wed Dec 13, 2023 7:46 am

I'm up 4% since Nov 2021, and a little over 21% this year.

Postby **dodint** » Wed Dec 13, 2023 8:21 am

I think my TSP/401k is up 14%. That is the bulk of my investing.

The money I referred to earlier is my flight training money. Just need to park it somewhere until I start training in September. Just hoping to squeeze a few hundred extra out before then.

Postby **NTP66** » Wed Dec 13, 2023 8:27 am

Our overall asset allocation is 90/10 equities/bonds right now. I have an annual reminder set for early January telling me to rebalance to my target, which I believe is 88/12, but I'm pretty sure that I'm going to snooze that for a while to see if I can make up more ground from 2021.

YouTube · Postby **mikey** » Wed Dec 13, 2023 11:46 am

Let's get a hard crash today...even if it rallies later. I need a sharp red day...

YouTube · Postby **mikey** » Wed Dec 13, 2023 2:12 pm

Ok, 466 hit...now the bottom should (can...) fall out...

Or, ya know, stocks just go up forever despite all the indicators that suggest this is all a bunch of nonsense...

YouTube · Postby **mikey** » Wed Dec 13, 2023 4:14 pm

Or, ya know, ****** whatever...just go up forever illogically...

Postby **mac5155** » Wed Dec 13, 2023 7:25 pm

Mortgage rates plummeting. I presume that's what's driving this? Hell we haven't even hit the santa rally yet. Don't get mad ya bear

Postby **NTP66** » Wed Dec 13, 2023 7:27 pm

Plummeting? What are they now, 5%?

Postby **mac5155** » Wed Dec 13, 2023 7:28 pm

Didn't they just drop like a half a percent this week?

Postby **dodint** » Wed Dec 13, 2023 7:31 pm

Or, ya know, ****** whatever...just go up forever illogically...

Maddening, innit?

YouTube · Postby **mikey** » Wed Dec 13, 2023 7:44 pm

It's ****** garbage...

Postby **NTP66** » Wed Dec 13, 2023 7:55 pm

Just saw what VTSAX closed at.

Postby **mac5155** » Wed Dec 13, 2023 8:22 pm

Just saw what VTSAX closed at.

I'm $3 away from my cost. Which I believe is the all time high lol

Postby **NTP66** » Wed Dec 13, 2023 8:29 pm

It has been a workhorse in our portfolio, that’s for sure. VINIX/VIIIX, too.

Postby **NTP66** » Thu Dec 14, 2023 7:32 am

If the market stays where it is, this will wind up being one of the better years in a long time. Rate of return over 22%, and my balances are $310k higher than 'expected' (based on my own estimates). Just keep cutting time off that retirement target date.

Thanks, Biden.

YouTube · Postby **mikey** » Thu Dec 14, 2023 8:23 am

Huh, Biden? What, are your gas prices reasonable too?

Postby **count2infinity** » Thu Dec 14, 2023 8:26 am

Not sure if you know this… but 99.9% of the time someone says “thanks Biden” on here, it’s a joke.

Postby **dodint** » Thu Dec 14, 2023 8:33 am

Just keep cutting time off that retirement target date.

So you have a retirement target amount and not a date?

I'm planning to be able to retire at 57 but will likely hang around to 62 to pump the numbers up. So it's more of a time window for me. Unless one of my side hustles really takes off then I'm leaving at 57 with a deferred pension.

YouTube · Postby **mikey** » Thu Dec 14, 2023 8:37 am

Not sure if you know this… but 99.9% of the time someone says “thanks Biden” on here, it’s a joke.

Is this meta? Clearly I know it's a joke and responded in kind - as we all know that he doesn't control gas prices either, as was a running joke here for a while...