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Cash in SEP. Buy now or hold tight

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Cash in SEP. Buy now or hold tight

Old 01-04-2020, 07:04 PM
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Default Cash in SEP. Buy now or hold tight

Cash in SEP. Hold tight for turn back or buy now?

-34yo
Old 01-04-2020, 07:24 PM
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There isn't a person on the face of the planet that knows when the next downturn will be.

34 years old? Buy VTSAX and move on.
Old 01-04-2020, 08:00 PM
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Invest now.
Old 01-04-2020, 08:02 PM
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The market was bouncing around in 2019 until the last quarter. It started from a low point because of the late 2018 losses. This year who knows what’s going to happen but if you are unsure then divide the money into 4-6 months and see what happens. You still have time to recoup if it starts to decline. Whatever you do if your money is in and then it declines don’t touch it. If you own good stocks they will come back up. That’s what happened to me late 2018. I left it alone and within 6-8 months was back on track. I would be way behind if I had sold and waited for an opportunity.
Old 01-04-2020, 08:23 PM
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At 34yo you’ll see many market corrections.

Buy for long term, market timers and market chasers never win.
Old 01-04-2020, 08:29 PM
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Is the cash from a recent deposit or continuing cash flow into the account from dividends, that hasn’t been allocated?
Old 01-04-2020, 08:32 PM
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Originally Posted by SouthpawHD View Post
At 34yo you’ll see many market corrections.

Buy for long term, market timers and market chasers never win.
This

Side note, in 2016 I told myself I was gonna buy FSDAX if Trump won the election. Well, I didn't. Missed out on roughly a 70% gain. Go with your gut.

Last edited by Vitamin_Sea; 01-04-2020 at 08:40 PM.
Old 01-05-2020, 05:25 AM
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Originally Posted by Low Bidder View Post
Cash in SEP. Hold tight for turn back or buy now?

-34yo
Depends on what you buy. I recommend low fee index funds. I also recommend Bogleheads.org for your question.
Old 01-05-2020, 05:44 AM
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Holdback and earn how much interest ?
Old 01-06-2020, 01:17 AM
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Buy at the peak!!!!! The banksters and 2% will love you as they cash out for the downturn.
Old 01-06-2020, 02:27 AM
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It's impossible to buy low and sell high because you can't tell what low and high are until after it's over. Just buy and hold. It will go up and down. Some years you will lose, some you will win. For 100 years, the wins have outpaced the losses enough that buying and holding has been a great strategy. Trying to time the market is a good way to lose money.

I'm done with individual stocks. Too much research to do, to much time spent, and too many eggs in too few baskets. I own 4 low fee index funds now. I continue to buy more shares if the market is up or if it's down.
Old 01-06-2020, 03:20 AM
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Originally Posted by NCSUboater View Post
There isn't a person on the face of the planet that knows when the next downturn will be.

34 years old? Buy VTSAX and move on.
Yep. Make it easy on yourself
Old 01-08-2020, 06:41 AM
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I dunno how much we are talking about, but if it's significant I would trickle it in over a bit of time vs one lump sum.

also if it's already tax paid, do it in a ROTH.
Old 01-08-2020, 07:23 AM
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While there are quite a few studies out there that support a lump sum investment rather than dollar cost averaging (simply based on return scenarios) my view is also to dollar cost average. The market has been generally hot for over a decade, the economy is expected to have slower overall growth in the coming year, market caps for many of the current top performers need 2 to as much or more than 10x revenue growth to support the cap based on some of their more mature peers, there’s potential for escalating conflict in the ME And other factors support a cautious approach.

Just my opinion. But logic and rational pricing is something that has not been a key driver for the market for quite some time to varying degrees.
Old 01-08-2020, 07:33 AM
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Yes, nobody can predict the down turn BUT we are at historic highs so I would hold.

At the very least instead of jumping all in now I would divide the amount by 12 and set up auto monthly buys.
Old 01-08-2020, 11:38 AM
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Just my thoughts but most of the people who say they predicted the downturns have predicted a lot of them that didn't happen. I would pick a diversified Vanguard S&P fund and let it sit there until you need it.
Old 01-08-2020, 11:56 AM
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I'm 36. I used to play stocks in my 20's a lot. Won some lost some. Ended up ok when I sold off everything in my late 20's due to needing cash flow. Now I just buy dividen and index's. Averaging about 12% a year for the last 6 years or so. I still do play a bit in stocks I feel I know will go up fast but not putting all my eggs in there.
Old 01-08-2020, 02:22 PM
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Its not the timing of the market, its the time in the market, a very wise (and wealthy) man once said....
Old 01-08-2020, 02:28 PM
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Have any of you ever played craps in Vegas? It's a crazy rush when you keep rolling and winning makes you think it will never end. The difference being when you gamble in the market the odds are in your favor long term....play the long game the house always wins.


PS, I think the market's over heated...been thinking that for a year and a half now....the roll keeps going....
Old 03-18-2020, 07:31 PM
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Well I waited... cash stil ready.

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