[quote=scaredyclassic][quote=sdrealtor][quote=Reality][quote=plm]
Actually I think that selling and buying back later at a lower prices is a way to have even better returns but much riskier since you have to time the market properly. Isn’t it safest to buy and hold and just don’t sell when they market crashes?[/quote]

What if when you need retirement income coincides with the crash?[/quote]

Thats why I buy for total return including growth and income. If they maintain/grow their dividends I’ll never have a need to sell anything. I also have solar (no electric bill), drought tolerant landscape (minimal water bill), house close to paid off (minimal housing expense), tesla (no gas bill) etc. Oh and I have a very full wine cellar:)[/quote]

this seems very right. how much is it worth to have a paid off house? not to worry about things going really wrong with investments?

that said, I’m trying to refi with a large cashout to dollar cost average into various funds. :0

still good to keep expenses low.[/quote]

That what dividend income , rental income, and a job income is for. Reduces the chances of 3 simultaneous failures. Trying to avoid touching any 401k/IRA even for emergencies so it can compound as long as it can before its tapped.