Currently I am using Target date fund in vanguard that puts 90% in stock. Given the bear market, shall I force lower percentage for stock? Have you guys done that?
That’s incredibly short sighted
Isnt the point of a target date fund just to keep pouring in money to it until you hit the target date and it automatically readjusts for you?
So you like to buy your stocks when they are expensive? That makes zero sense.
And this is why dead people are the best investors.
Just keep it. You just lose the opportunity to buy them low.
Chose one of those auto adjusting fund and bury your account for a few decades. Don’t touch it until retirement.
Thou shall not touch your 401k account.
This is the time to buy more (of wisely chosen stocks), not to sell.
Yes. Buy high, sell low. That’s how you make money.
I sold 50% to cash.