If you believe in the stock market buble, where do you park your money?

[Anonymous]

jimmyle wrote:
No, my Fidelity 401K sucks. No option for precious metals. I just pushed 25% of my money into US Bond Index. The rest are equally divided into Emerging Markets, Asia Pacific, and Europe. Nothing in US stocks now.

FSAGX is fidelity’s metals mix. it has gold and other metals in it.Not the metal itself but the miners etc. It has done very well this last 8 months.Give it a try. I wouldn’t worry about when to get out, I believe it is better to decide on a stop loss percentage like 7-8% and disipline yourself to stick to it, and go into a money market fund like FRTXX if all hell breaks loose. If your in Fidelity’s 401k plans watch out for the short trade limits, some have to be held for 90 days. Good luck

[CricketOnTheHearth]

jimmyle, my 401(K) also sucks re precious metals– no such option whatsoever. I looked back in 2007 or so and blast blast blast– no way to move my $ into something more solid. All I get to choose from are various types of “funds”.

So I did the best I could and moved like half of it into bonds-type funds, the closest I could get to T-bills given the options they gave me, and lost “only” 25% in the fall of 2008. As the $#!+ was hitting the fan I boosted my proportions so that nearly half of it is in the “stable value fund” (like a money market account), another third in conservative bond funds, and the remainder in my basket of stock funds. Since then I’ve gained most of what I lost back.

However, I think this stock market rise is a mirage and I don’t trust it. Also my company suspended the 401(K) match. So I cut in half the % of my income that I put into it each month, and have that money wired into my credit union account instead. I figure when the market crashes I will wait til stocks appear to have bottomed, then up my paycheck deduction again enough to “put back in” what I put in the credit union.

I know this attempted market timing is kind of cheesy, but I just can’t see putting my 16 raisins into this thing only to see it decline by 25 raisins during the year. It feels like flushing my money down a black hole when that happens.

[CricketOnTheHearth]

jimmyle, my 401(K) also sucks re precious metals– no such option whatsoever. I looked back in 2007 or so and blast blast blast– no way to move my $ into something more solid. All I get to choose from are various types of “funds”.

So I did the best I could and moved like half of it into bonds-type funds, the closest I could get to T-bills given the options they gave me, and lost “only” 25% in the fall of 2008. As the $#!+ was hitting the fan I boosted my proportions so that nearly half of it is in the “stable value fund” (like a money market account), another third in conservative bond funds, and the remainder in my basket of stock funds. Since then I’ve gained most of what I lost back.

However, I think this stock market rise is a mirage and I don’t trust it. Also my company suspended the 401(K) match. So I cut in half the % of my income that I put into it each month, and have that money wired into my credit union account instead. I figure when the market crashes I will wait til stocks appear to have bottomed, then up my paycheck deduction again enough to “put back in” what I put in the credit union.

I know this attempted market timing is kind of cheesy, but I just can’t see putting my 16 raisins into this thing only to see it decline by 25 raisins during the year. It feels like flushing my money down a black hole when that happens.

[CricketOnTheHearth]

jimmyle, my 401(K) also sucks re precious metals– no such option whatsoever. I looked back in 2007 or so and blast blast blast– no way to move my $ into something more solid. All I get to choose from are various types of “funds”.

So I did the best I could and moved like half of it into bonds-type funds, the closest I could get to T-bills given the options they gave me, and lost “only” 25% in the fall of 2008. As the $#!+ was hitting the fan I boosted my proportions so that nearly half of it is in the “stable value fund” (like a money market account), another third in conservative bond funds, and the remainder in my basket of stock funds. Since then I’ve gained most of what I lost back.

However, I think this stock market rise is a mirage and I don’t trust it. Also my company suspended the 401(K) match. So I cut in half the % of my income that I put into it each month, and have that money wired into my credit union account instead. I figure when the market crashes I will wait til stocks appear to have bottomed, then up my paycheck deduction again enough to “put back in” what I put in the credit union.

I know this attempted market timing is kind of cheesy, but I just can’t see putting my 16 raisins into this thing only to see it decline by 25 raisins during the year. It feels like flushing my money down a black hole when that happens.

[CricketOnTheHearth]

jimmyle, my 401(K) also sucks re precious metals– no such option whatsoever. I looked back in 2007 or so and blast blast blast– no way to move my $ into something more solid. All I get to choose from are various types of “funds”.

So I did the best I could and moved like half of it into bonds-type funds, the closest I could get to T-bills given the options they gave me, and lost “only” 25% in the fall of 2008. As the $#!+ was hitting the fan I boosted my proportions so that nearly half of it is in the “stable value fund” (like a money market account), another third in conservative bond funds, and the remainder in my basket of stock funds. Since then I’ve gained most of what I lost back.

However, I think this stock market rise is a mirage and I don’t trust it. Also my company suspended the 401(K) match. So I cut in half the % of my income that I put into it each month, and have that money wired into my credit union account instead. I figure when the market crashes I will wait til stocks appear to have bottomed, then up my paycheck deduction again enough to “put back in” what I put in the credit union.

I know this attempted market timing is kind of cheesy, but I just can’t see putting my 16 raisins into this thing only to see it decline by 25 raisins during the year. It feels like flushing my money down a black hole when that happens.

[CricketOnTheHearth]

jimmyle, my 401(K) also sucks re precious metals– no such option whatsoever. I looked back in 2007 or so and blast blast blast– no way to move my $ into something more solid. All I get to choose from are various types of “funds”.

So I did the best I could and moved like half of it into bonds-type funds, the closest I could get to T-bills given the options they gave me, and lost “only” 25% in the fall of 2008. As the $#!+ was hitting the fan I boosted my proportions so that nearly half of it is in the “stable value fund” (like a money market account), another third in conservative bond funds, and the remainder in my basket of stock funds. Since then I’ve gained most of what I lost back.

However, I think this stock market rise is a mirage and I don’t trust it. Also my company suspended the 401(K) match. So I cut in half the % of my income that I put into it each month, and have that money wired into my credit union account instead. I figure when the market crashes I will wait til stocks appear to have bottomed, then up my paycheck deduction again enough to “put back in” what I put in the credit union.

I know this attempted market timing is kind of cheesy, but I just can’t see putting my 16 raisins into this thing only to see it decline by 25 raisins during the year. It feels like flushing my money down a black hole when that happens.

[pertinazzio]

I don’t have a 401K but rather a 402B (or so I think). I never sold during the dot com bubble and, stupid me, I never sold in the more recent crisis despite receiving warnings in this very forum. So I was stupid but not doubly stupid. 90% of my account is in a single fund: Oppenheimer Emerging Markets (odmax) which is up 74% year to date and 82% going a full year back. It’s nothing to crow about though since I am still about 20% off being back to even. On the other hand I never dreamed in March that six months later I’d be singing to my wife this little ditty every morning: “bUBBLE days are here again”. Nothing like feeling ruined to depress me or feeling flush to cheer me up. The whole thing is unnerving being constantly on this see-saw rocking between greed and fear (I’m in greed mode right now which might be a good sign for everyone else to exit equities).

I am not moving that money soon unless I sense a another collapse and hope I have the sense to act rather than just stew in my own fear and ignorance. Aside from those retirement funds we have a small cash pile sitting in CDs making nothing and have been thinking of alternative investments that won’t further expose me to equities. Fixed income, bonds, etc are all new to me. Here are some of my ideas

1. An ETF that invests in foreign currencies money markets. Supposedly you can make money both on the enhanced interest of foreign money markets and on the possible further decline of KING Dollar as Kudlo calls it. Wisdom tree offers these ETFs for the yuan, brazilian real, euro, indian rupee, S.A. rand, yen and more. Of course if the dollar strengthens (in another crisis) I could be screwed.

2. ETFs investing in foreign government bonds / corporations or even us junk bonds.

If one wanted to buy a corporate bond (say for CAT) how would one go about doing that?

Any thoughts; on these investment ideas?

[pertinazzio]

I don’t have a 401K but rather a 402B (or so I think). I never sold during the dot com bubble and, stupid me, I never sold in the more recent crisis despite receiving warnings in this very forum. So I was stupid but not doubly stupid. 90% of my account is in a single fund: Oppenheimer Emerging Markets (odmax) which is up 74% year to date and 82% going a full year back. It’s nothing to crow about though since I am still about 20% off being back to even. On the other hand I never dreamed in March that six months later I’d be singing to my wife this little ditty every morning: “bUBBLE days are here again”. Nothing like feeling ruined to depress me or feeling flush to cheer me up. The whole thing is unnerving being constantly on this see-saw rocking between greed and fear (I’m in greed mode right now which might be a good sign for everyone else to exit equities).

I am not moving that money soon unless I sense a another collapse and hope I have the sense to act rather than just stew in my own fear and ignorance. Aside from those retirement funds we have a small cash pile sitting in CDs making nothing and have been thinking of alternative investments that won’t further expose me to equities. Fixed income, bonds, etc are all new to me. Here are some of my ideas

1. An ETF that invests in foreign currencies money markets. Supposedly you can make money both on the enhanced interest of foreign money markets and on the possible further decline of KING Dollar as Kudlo calls it. Wisdom tree offers these ETFs for the yuan, brazilian real, euro, indian rupee, S.A. rand, yen and more. Of course if the dollar strengthens (in another crisis) I could be screwed.

2. ETFs investing in foreign government bonds / corporations or even us junk bonds.

If one wanted to buy a corporate bond (say for CAT) how would one go about doing that?

Any thoughts; on these investment ideas?

[pertinazzio]

I don’t have a 401K but rather a 402B (or so I think). I never sold during the dot com bubble and, stupid me, I never sold in the more recent crisis despite receiving warnings in this very forum. So I was stupid but not doubly stupid. 90% of my account is in a single fund: Oppenheimer Emerging Markets (odmax) which is up 74% year to date and 82% going a full year back. It’s nothing to crow about though since I am still about 20% off being back to even. On the other hand I never dreamed in March that six months later I’d be singing to my wife this little ditty every morning: “bUBBLE days are here again”. Nothing like feeling ruined to depress me or feeling flush to cheer me up. The whole thing is unnerving being constantly on this see-saw rocking between greed and fear (I’m in greed mode right now which might be a good sign for everyone else to exit equities).

I am not moving that money soon unless I sense a another collapse and hope I have the sense to act rather than just stew in my own fear and ignorance. Aside from those retirement funds we have a small cash pile sitting in CDs making nothing and have been thinking of alternative investments that won’t further expose me to equities. Fixed income, bonds, etc are all new to me. Here are some of my ideas

1. An ETF that invests in foreign currencies money markets. Supposedly you can make money both on the enhanced interest of foreign money markets and on the possible further decline of KING Dollar as Kudlo calls it. Wisdom tree offers these ETFs for the yuan, brazilian real, euro, indian rupee, S.A. rand, yen and more. Of course if the dollar strengthens (in another crisis) I could be screwed.

2. ETFs investing in foreign government bonds / corporations or even us junk bonds.

If one wanted to buy a corporate bond (say for CAT) how would one go about doing that?

Any thoughts; on these investment ideas?

[pertinazzio]

I don’t have a 401K but rather a 402B (or so I think). I never sold during the dot com bubble and, stupid me, I never sold in the more recent crisis despite receiving warnings in this very forum. So I was stupid but not doubly stupid. 90% of my account is in a single fund: Oppenheimer Emerging Markets (odmax) which is up 74% year to date and 82% going a full year back. It’s nothing to crow about though since I am still about 20% off being back to even. On the other hand I never dreamed in March that six months later I’d be singing to my wife this little ditty every morning: “bUBBLE days are here again”. Nothing like feeling ruined to depress me or feeling flush to cheer me up. The whole thing is unnerving being constantly on this see-saw rocking between greed and fear (I’m in greed mode right now which might be a good sign for everyone else to exit equities).

I am not moving that money soon unless I sense a another collapse and hope I have the sense to act rather than just stew in my own fear and ignorance. Aside from those retirement funds we have a small cash pile sitting in CDs making nothing and have been thinking of alternative investments that won’t further expose me to equities. Fixed income, bonds, etc are all new to me. Here are some of my ideas

1. An ETF that invests in foreign currencies money markets. Supposedly you can make money both on the enhanced interest of foreign money markets and on the possible further decline of KING Dollar as Kudlo calls it. Wisdom tree offers these ETFs for the yuan, brazilian real, euro, indian rupee, S.A. rand, yen and more. Of course if the dollar strengthens (in another crisis) I could be screwed.

2. ETFs investing in foreign government bonds / corporations or even us junk bonds.

If one wanted to buy a corporate bond (say for CAT) how would one go about doing that?

Any thoughts; on these investment ideas?

[pertinazzio]

I don’t have a 401K but rather a 402B (or so I think). I never sold during the dot com bubble and, stupid me, I never sold in the more recent crisis despite receiving warnings in this very forum. So I was stupid but not doubly stupid. 90% of my account is in a single fund: Oppenheimer Emerging Markets (odmax) which is up 74% year to date and 82% going a full year back. It’s nothing to crow about though since I am still about 20% off being back to even. On the other hand I never dreamed in March that six months later I’d be singing to my wife this little ditty every morning: “bUBBLE days are here again”. Nothing like feeling ruined to depress me or feeling flush to cheer me up. The whole thing is unnerving being constantly on this see-saw rocking between greed and fear (I’m in greed mode right now which might be a good sign for everyone else to exit equities).

I am not moving that money soon unless I sense a another collapse and hope I have the sense to act rather than just stew in my own fear and ignorance. Aside from those retirement funds we have a small cash pile sitting in CDs making nothing and have been thinking of alternative investments that won’t further expose me to equities. Fixed income, bonds, etc are all new to me. Here are some of my ideas

1. An ETF that invests in foreign currencies money markets. Supposedly you can make money both on the enhanced interest of foreign money markets and on the possible further decline of KING Dollar as Kudlo calls it. Wisdom tree offers these ETFs for the yuan, brazilian real, euro, indian rupee, S.A. rand, yen and more. Of course if the dollar strengthens (in another crisis) I could be screwed.

2. ETFs investing in foreign government bonds / corporations or even us junk bonds.

If one wanted to buy a corporate bond (say for CAT) how would one go about doing that?

Any thoughts; on these investment ideas?

[moneymaker]

I always feel unpatriotic betting that the dollar will fail. Instead of agonizing over it, just go to Vegas, find a no limit roulette wheel and bet everything you’ve got on black. Didn’t that work for 007 or was it Wesley Snipes, anyway good luck!
P.S.-Try to find a European Roulette wheel,I hear they pay better.

[moneymaker]

I always feel unpatriotic betting that the dollar will fail. Instead of agonizing over it, just go to Vegas, find a no limit roulette wheel and bet everything you’ve got on black. Didn’t that work for 007 or was it Wesley Snipes, anyway good luck!
P.S.-Try to find a European Roulette wheel,I hear they pay better.

[moneymaker]

I always feel unpatriotic betting that the dollar will fail. Instead of agonizing over it, just go to Vegas, find a no limit roulette wheel and bet everything you’ve got on black. Didn’t that work for 007 or was it Wesley Snipes, anyway good luck!
P.S.-Try to find a European Roulette wheel,I hear they pay better.

[moneymaker]

I always feel unpatriotic betting that the dollar will fail. Instead of agonizing over it, just go to Vegas, find a no limit roulette wheel and bet everything you’ve got on black. Didn’t that work for 007 or was it Wesley Snipes, anyway good luck!
P.S.-Try to find a European Roulette wheel,I hear they pay better.

[Author]

Posts