I don’t have time to reply in length so I’ve Bookmarked your post. I’ll write tomorrow.

Have a good evening.

in my 401k. I put 20% in very low yield savings, 60% in bonds, and 20% in left in blue chip stocks. Before the election, I was up over 30% this year. Over the next 4 years I just hope to remain above water.

And result in a trade war that could disrupt the supply chains and hurt corporate profits . Higher interest rates from inflation would do the same. Share prices are tied to expected corporate profits.

I’m avoiding long term bonds and/or CDs, expecting higher interest rates. I will also build a ladder of these fixed income investments to reinvest them in expected higher rates as they mature .

I am not an investment advisor. This is just how I see it.

Prmarily to reduce stocks, and move into intermediate-duration corporate bonds. I'm comfortable with my short-term holdings for now, since I expect interest rates to move upward in the near- to mid-term.That interest-rate expectation mitigates against long-term bonds, and with The Felon's implied threats to default on the debt and/or shut down the govt, I'm leery of US Treasuries and other gov't bonds. (FNMAs and Freddies might do okay, but I'm still leery of them; a housing market collapse could hurt them a lot.) We will see. As Rachel says, watch this space....

Yes, initially, I think you are right. Tariffs mean higher prices. But that leads to lower unit volume because wages are slow to catch up to inflation and fixed income folk have less choice. Lower unit volume means less labour is required. Plus retaliatory tariffs reduce exports and that means layoffs.

So after a bit, I think there will be a recession. And the stock market is two years into a bull, which is longer than median, I think. Three year bull markets are not unheard of but rare.

The Fed will lower interest rates to stimulate the economy, which will help the economy but will impress the stock market less than some expect. That's because there will be lower demand, fewer sales, etc. tRump will send out stimulus checks with his name on them, which will help the economy, but not help the deficit. This may be happening while Muck is busy pushing spending cuts. Spending cuts mean either less money going to people or government layoffs or a combination.

Labour markets will be full of turmoil if there are deportations at the same time as layoffs. Not many laid off maga will pick an immigrant's basket and pick strawberries. So there will be simultaneous labour shortages and unemployment.

I went to 85% bonds, 15% money market to try to preserve capital and anticipating the Fed will in a little while cut rates, perhaps after raising them a bit against inflation. I'm hoping there might be buying opportunities for stocks in 2026 or not long after, but I have no crystal ball, only seat of the pants reckoning.

jobs back to America, don't think the wealthy will stand for huge loses.

He's already convinced working GOPers that they will become rich as jobs come home, immigrants are deported on some pretext, tips are not longer taxed, etc., they will be better off.

Believe trump is wrong, but we'll know soon enough.

... in the long run.

Trumps tax cuts for the rich is going to put more downward pressure on the real wage index.

I don't like playing a short game, but I think it's better to be liquid right now.

We met with our broker for the same discussion. We're with Baird my IRA is in a managed mutial fund managed by BAIRD, we have another stock fund managed by Parametric that allows us to choose the social parameters that we wish to have automaticly excluded from our stock portfolio and a bond ladder. We are supposedly as well protected for the oncoming chaos as possible. We will probably see some losses but we should be able to ride the storm out.

something fElon Trusk won't destroy. I feel very worried about this.

Hoping to learn how from this thread. Maybe Vanguard bond index and 10% Vanguard stock index, does that make sense?

When I received the proceeds from the sale of my family's home, I immediately took the check to a firm. I spoke with my advisor for more than an hour. First, for the both of us to get to know each other. Second, to have my goals explained. Third, diversification of my assets, again, to protect their value.

I don't meet their minimum asset values. I still need to protect what I've saved though. Thank you for sharing your thoughts here. It's helpful.

Depending on your age it's the best way to go.

VTI is a good one

Vanguard Total Stock Market Index Fund ETF

The market might be kind of flat this year but I'm not a bear yet.

I sold a chunk of individual stock recently and put it in an S&P fund

Don’t leave your money in the money market account, unless you’re getting 4.5 percent you would do better in 1 year or 6 Month CDs (for Mahini 😊 )

it’s been the domain of the very wealthy.
In the last year of the first trump term, there was a pronouncement that 401K money could be invested in PE funds.
A year later, in Biden’s term, a new pronouncement occurred that no PE investment funds had been approved for 401K investing.

If it becomes allowed, or encouraged, the dilution effect alone on the public markets would be small, but i wonder if a stampede would occur. The growth potential on the PE side could be very large…but also, a bubble or illusory growth, since the underlying investments wouldn’t support increased valuations.

Such large amounts of money will attract maggots and maga and Madoffs. It will all seem fine until there is a billion dollar collapse and people lose life savings and everybody screams.

Could really create a disaster.

I'd avoid private equity in a portfolio.

They're not liquid enough.

Seems like a questionable idea for 401ks but agree it's going to be a bigger thing going forward.

The venerable 60/40 portfolio got smoked in 2022. I rotated into an aggressive 80/20 mix to pull out of that and made out OK. Bonds can be risky going into inflationary cycles so there are few safe havens. I'm back to 60/40 and we'll see how it goes.

I expect the markets to go down under Trump, especially if he imposes tariffs.

It's already started, my main high-return investments, the ones that have been making 50%-60%+ the past few years are going flat. I might even go back to shorting.

so being nimble up / down might pay off.

Just hoping we avoid a collapse.

My husband has 3 retirement pensions, plus our Social Security.
IBM retirement after 30 years.
Military Retirement based on 22 years and rank of an E-6(4 years with the USAF), (1.5 years with the MN Army Nat. Guard, 16.5 years with the MN Air Nat. Guard) retiring in Dec. 1999.
10 years with a Local Manufacturing company in Rochester with a UAW Union representation.
The money we have from the sale of our house.

With the required withdrawals from the investments, we are comfortable. I start taking out from my IRA in June after I turn 73. So it continues to grow. His investments continue to grow as well.

conversation, but you are allocated extremely well and you can sleep a little bit sounder knowing you are as well protected as possible amid such uncertainties.

I was finally at my anxiety max after watching the stock market dropping.
I’m not an expert and I have a financial advisor. My advisor was still trying to convince me to keep my money in my target date retirement fund. At 71, I’ve seen my pitiful little 401K bounce like a roller coaster a couple times. Not anymore. I don’t have enuf years of life left to wait to recover from another bad dip.
On Nov15, I called and asked him to move it all to a money market fund. Apparently, according to the website (Capital Group), it’s US Treasury Bonds.
From the post-election peak in the DJI to its steady drop since, I would have lost a fair chunk. My request to change funds has already proved beneficial having clawed back a nice bit of the loss.
As of now, my risk is minimal. My principal doesn’t drop and I get a nice dividend every month. I can sleep better. I understand I won’t keep up with inflation, but if the market bubble bursts, I won’t see my investment be halved overnight again.

if you aren't invested you'll miss those days that the market zips higher.

Major mistake that people make.

But it all depends on your age and risk tolerance.

And the amount you have to live on of course.

At 71, I can’t stomach the upheavals. And I can’t risk the loss in another huge dip like 2008-9. If I only have 15 years left, let’s just say, then there isn’t time to recoup losses from a market correction. I’ve read that the bubble is most likely due to burst. I can’t weather it again.

The happy spikes aren’t good enuf when the dips last a long time. And when there is a market correction, same problem.

right after asshole was elected.

I knew she named me as a beneficiary, and the estate will be settled in the spring. Her sister and I are also friends, and she's updating me about the progress, according to the lawyer handling the estate. My friend and her sister were/are very satisfied with her financial advisor and he has suggested I get in touch.

I have an IRA with our insurance co. and they have managed our resources very ably. I don't know if we just had an extremely canny agent, or it her advice was part of their financial advising service. She has retired. The new agent called or wrote to introduce himself, but there was nothing that needed updated, so I don't know him very well.

We're still processing my friend's untimely death, so I'm glad there is time to prepare. I bookmarked this post. Thank you.

Is the US so much a percent of the world market that, when international interests have tarrifs, the sales inside the US drop by a substantial percent of their world sales and international stocks (and bonds?) crash?

find out what investments trump has and copy it. No way will he take a financial hit to appease the Magats.

Then I remember that Donald J (is for genius) trump bankrupted a casino.