[quote=The-Shoveler]We are almost 100% short duration treasuries paying over 4% (some as high as 4.8%) in our IRA’s.
Almost no stocks in any account.
At some point will look to move to long term treasuries.
Sleep much better.[/quote]
Good move. My net worth is roughly split 25/25/50 pretax investment, IRA+401k, and real estate.
My pretax accounts have less than 25% stock. The rest is in money market and short term CDs. My retirement accounts have more stock index funds and also dividend paying companies in energy and consumer Staples. I have less than 10% exposure in individual tech stocks right now, though I’m slowly buying some of the big name techs that have been beaten down quite a bit in really small amounts….
If things hold up, my 2022 return hopefully will be around 1%. It sucks but better than the negative return the stock markets did this year… In the previous good years of the stock market, I didn’t get the the huge returns others did… In the bad years like this year, I’m not losing the amount the markets are this year. So, I think I’m somewhere in between , being that part of me is risk adverse.
I’m keeping my eyes on longer term treasuries and CDs.
One percent return would be great. Huge loss last year, starting to think diversification might be smart as stocks will not always be better than bonds. Will buy more iBonds now that the calendar turned I suppose.
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