Have a investment question..

[dezii]

Sorry to bother u here...I stay over at EE or more so politics  but just got my break outs on last years returns of my portfolio...

As all here , outstanding returns...However...I am a retired senior....heavily into mutual funds...growth types..a annuity I get a 5% return on so leaving that alone and one stock...KMX ...very happy there and letting that alone...seems most analyst suggest may go to 80 or so end of year..

It's the mutual funds I am wondering about...The market is going to reverse..When ?Who knows but it will...Am wondering if Dems do well in mid terms if that might be a time, but any way...any ideas of what to do, pull back, safer less volatile funds..[all IRA's ] so would stay same families...just less market susceptible.


Thanks for the time...will check back later...appreciated any suggestions.

[ken a.k.a OMK]

dezii I think your mix is most important. I'm 70 and my mix is 60/40 stocks/bonds. I had been more aggressive up until now and did well with 70/30 but my Fidelity adviser suggested the new mix to preserve my gains. Still getting 15% overall. She asked how I would react to a 20% drop in the market, which some are predicting in the near future. With my mix the impact would be 12% loss. 

[dezii]

Jan 25, 2018 13:54:17 GMT -5 ken a.k.a OMK said:

dezii I think your mix is most important. I'm 70 and my mix is 60/40 stocks/bonds. I had been more aggressive up until now and did well with 70/30 but my Fidelity adviser suggested the new mix to preserve my gains. Still getting 15% overall. She asked how I would react to a 20% drop in the market, which some are predicting in the near future. With my mix the impact would be 12% loss. 

interesting...I have no investments in Bonds...I could live nicely with a 12 % loss....especially with gains over the past years...will bring it up with advisors.

[djAdvocate]

1) what is your taste for risk?
2) what is your investment experience?

[Rob Base 2.0]

Bitcoin

[Aman A.K.A. Ahamburger]

Jan 25, 2018 13:32:34 GMT -5 dezii said:

Sorry to bother u here...I stay over at EE or more so politics  but just got my break outs on last years returns of my portfolio...

As all here , outstanding returns...However...I am a retired senior....heavily into mutual funds...growth types..a annuity I get a 5% return on so leaving that alone and one stock...KMX ...very happy there and letting that alone...seems most analyst suggest may go to 80 or so end of year..

It's the mutual funds I am wondering about...The market is going to reverse..When ?Who knows but it will...Am wondering if Dems do well in mid terms if that might be a time, but any way...any ideas of what to do, pull back, safer less volatile funds..[all IRA's ] so would stay same families...just less market susceptible.


Thanks for the time...will check back later...appreciated any suggestions.

First, there is no need to apologize Dezi. Open forum, so feel free..

It sounds as if you have your income taken care of with your annuity, so if the mutual funds are essentially going to be monies left for the next generation, there probably isn't much need to fix something that isn't broken.

I think you hit the nail on the head with talking with your financial planner if you are thinking about making big changes. I would however suggest to tread carefully with bonds at this point. The debt market is not in good shape due to the last eight years, which is essentially a compounded problem of the last approx 40 years.