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

[smshorttimer]

[quote=jimmyle]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.[/quote]

You think that’s bad, my employer has nothing specifically Emerging Markets, Asia Pacific or Europe. We have a Fidelity Diversified Intl. fund and that’s it for overseas.

[jimmyle]

My two years performance is -10%. Eventhough the gain has been great this year. I lost a lot from Fall 09 to Winter 10.

I can’t check the gain for the last 5 years but 2006 and 2007 were really good years.

[quote=ucodegen]

My 401K account gained 65% this year. It is mainly Asian and Emerging market mutual funds.

How did it do last year? What was the combined return over a two year period?

We had an ‘unusual’ event that caused the market to drop, and possibly overshoot. Looking at the 2 year perspective might give you a better idea.[/quote]

[jimmyle]

My two years performance is -10%. Eventhough the gain has been great this year. I lost a lot from Fall 09 to Winter 10.

I can’t check the gain for the last 5 years but 2006 and 2007 were really good years.

[quote=ucodegen]

My 401K account gained 65% this year. It is mainly Asian and Emerging market mutual funds.

How did it do last year? What was the combined return over a two year period?

We had an ‘unusual’ event that caused the market to drop, and possibly overshoot. Looking at the 2 year perspective might give you a better idea.[/quote]

[jimmyle]

My two years performance is -10%. Eventhough the gain has been great this year. I lost a lot from Fall 09 to Winter 10.

I can’t check the gain for the last 5 years but 2006 and 2007 were really good years.

[quote=ucodegen]

My 401K account gained 65% this year. It is mainly Asian and Emerging market mutual funds.

How did it do last year? What was the combined return over a two year period?

We had an ‘unusual’ event that caused the market to drop, and possibly overshoot. Looking at the 2 year perspective might give you a better idea.[/quote]

[jimmyle]

My two years performance is -10%. Eventhough the gain has been great this year. I lost a lot from Fall 09 to Winter 10.

I can’t check the gain for the last 5 years but 2006 and 2007 were really good years.

[quote=ucodegen]

My 401K account gained 65% this year. It is mainly Asian and Emerging market mutual funds.

How did it do last year? What was the combined return over a two year period?

We had an ‘unusual’ event that caused the market to drop, and possibly overshoot. Looking at the 2 year perspective might give you a better idea.[/quote]

[jimmyle]

My two years performance is -10%. Eventhough the gain has been great this year. I lost a lot from Fall 09 to Winter 10.

I can’t check the gain for the last 5 years but 2006 and 2007 were really good years.

[quote=ucodegen]

My 401K account gained 65% this year. It is mainly Asian and Emerging market mutual funds.

How did it do last year? What was the combined return over a two year period?

We had an ‘unusual’ event that caused the market to drop, and possibly overshoot. Looking at the 2 year perspective might give you a better idea.[/quote]

[(former)FormerSanDiegan]

[quote=barnaby33]jimmeyle, I’d pull out of your 401k. Tax deferral doesn’t mean anything if you lose the money. I know I stopped contributing over a year ago. I’d rather eat 50% in taxes than 100% in losses.

As to where to keep your money, a mattress is a good option at this point.
Josh[/quote]

Extremely Bad Advice

Decisions like this will make you poor.

The 40-50% loss to taxes is guaranteed when liquidating a 401k (assuming you simply pull it out).

If you think you need to be out of dollar-denominated assets here is a better alternative:

1. Put your funds into the cash equivalent or short-term bond or stable value option in the 401k

2. Take a loan out for up to 50% of the 401k balance.

3. Put the loan proceeds into the whatever genius position you would have put the liquidated 401k proceeeds.

This approach avoids the immediate tax hit and allows you to demonstrate that perhaps you are not a genius gold or foreign currency speculator without taking a huge tax hit. If the return you get on the funds invested outside were a good idea they would greatly exceed the loan interest.

[(former)FormerSanDiegan]

[quote=barnaby33]jimmeyle, I’d pull out of your 401k. Tax deferral doesn’t mean anything if you lose the money. I know I stopped contributing over a year ago. I’d rather eat 50% in taxes than 100% in losses.

As to where to keep your money, a mattress is a good option at this point.
Josh[/quote]

Extremely Bad Advice

Decisions like this will make you poor.

The 40-50% loss to taxes is guaranteed when liquidating a 401k (assuming you simply pull it out).

If you think you need to be out of dollar-denominated assets here is a better alternative:

1. Put your funds into the cash equivalent or short-term bond or stable value option in the 401k

2. Take a loan out for up to 50% of the 401k balance.

3. Put the loan proceeds into the whatever genius position you would have put the liquidated 401k proceeeds.

This approach avoids the immediate tax hit and allows you to demonstrate that perhaps you are not a genius gold or foreign currency speculator without taking a huge tax hit. If the return you get on the funds invested outside were a good idea they would greatly exceed the loan interest.

[(former)FormerSanDiegan]

[quote=barnaby33]jimmeyle, I’d pull out of your 401k. Tax deferral doesn’t mean anything if you lose the money. I know I stopped contributing over a year ago. I’d rather eat 50% in taxes than 100% in losses.

As to where to keep your money, a mattress is a good option at this point.
Josh[/quote]

Extremely Bad Advice

Decisions like this will make you poor.

The 40-50% loss to taxes is guaranteed when liquidating a 401k (assuming you simply pull it out).

If you think you need to be out of dollar-denominated assets here is a better alternative:

1. Put your funds into the cash equivalent or short-term bond or stable value option in the 401k

2. Take a loan out for up to 50% of the 401k balance.

3. Put the loan proceeds into the whatever genius position you would have put the liquidated 401k proceeeds.

This approach avoids the immediate tax hit and allows you to demonstrate that perhaps you are not a genius gold or foreign currency speculator without taking a huge tax hit. If the return you get on the funds invested outside were a good idea they would greatly exceed the loan interest.

[(former)FormerSanDiegan]

[quote=barnaby33]jimmeyle, I’d pull out of your 401k. Tax deferral doesn’t mean anything if you lose the money. I know I stopped contributing over a year ago. I’d rather eat 50% in taxes than 100% in losses.

As to where to keep your money, a mattress is a good option at this point.
Josh[/quote]

Extremely Bad Advice

Decisions like this will make you poor.

The 40-50% loss to taxes is guaranteed when liquidating a 401k (assuming you simply pull it out).

If you think you need to be out of dollar-denominated assets here is a better alternative:

1. Put your funds into the cash equivalent or short-term bond or stable value option in the 401k

2. Take a loan out for up to 50% of the 401k balance.

3. Put the loan proceeds into the whatever genius position you would have put the liquidated 401k proceeeds.

This approach avoids the immediate tax hit and allows you to demonstrate that perhaps you are not a genius gold or foreign currency speculator without taking a huge tax hit. If the return you get on the funds invested outside were a good idea they would greatly exceed the loan interest.

[(former)FormerSanDiegan]

[quote=barnaby33]jimmeyle, I’d pull out of your 401k. Tax deferral doesn’t mean anything if you lose the money. I know I stopped contributing over a year ago. I’d rather eat 50% in taxes than 100% in losses.

As to where to keep your money, a mattress is a good option at this point.
Josh[/quote]

Extremely Bad Advice

Decisions like this will make you poor.

The 40-50% loss to taxes is guaranteed when liquidating a 401k (assuming you simply pull it out).

If you think you need to be out of dollar-denominated assets here is a better alternative:

1. Put your funds into the cash equivalent or short-term bond or stable value option in the 401k

2. Take a loan out for up to 50% of the 401k balance.

3. Put the loan proceeds into the whatever genius position you would have put the liquidated 401k proceeeds.

This approach avoids the immediate tax hit and allows you to demonstrate that perhaps you are not a genius gold or foreign currency speculator without taking a huge tax hit. If the return you get on the funds invested outside were a good idea they would greatly exceed the loan interest.

[Arraya]

[img_assist|nid=12134|title=Sell, Mortimer, Sell!!|desc=|link=node|align=left|width=450|height=600]

[Arraya]

[img_assist|nid=12134|title=Sell, Mortimer, Sell!!|desc=|link=node|align=left|width=450|height=600]

[Arraya]

[img_assist|nid=12134|title=Sell, Mortimer, Sell!!|desc=|link=node|align=left|width=450|height=600]

[Arraya]

[img_assist|nid=12134|title=Sell, Mortimer, Sell!!|desc=|link=node|align=left|width=450|height=600]

[Author]

Posts