Personal Finance and Investing

Fiendish Thingy

(19,023 posts)

10. Yes, balance and diversity are key

Thu Jan 9, 2025, 11:47 AM

Jan 9

The money market funds you quoted would be barely above inflation, and after fees (not just the fund’s fees, but potentially fees from the bank or advisor), could be below inflation, so moving a large portion of one’s portfolio into those kinds of funds would be inadvisable.

A 4% return in a market that is still producing double digit returns would be a bad choice.

S&P 500 gained 23% last year; last I checked, our portfolio was up something like 15%. IIRC, our allocation is about 50/50 stocks/bonds (we are in our 60’s).

Edit history

Please sign in to view edit histories.

Recommendations

0 members have recommended this reply (displayed in chronological order):

12 replies

= new reply since forum marked as read

Highlight:

He isn't even president yet and my portfolio is already taking a hit. [View all] bif Jan 2025 OP

Me too, Mark and my portfolio is super conservative already. FalloutShelter Jan 2025 #1

I was doing great until about 4 weeks ago doc03 Jan 2025 #2

the market is up from 2 months ago TheFarseer Jan 2025 #3

Valuations suddenly matter. There's no growth remaining. bucolic_frolic Jan 2025 #4

Mine is up and down... Happy Hoosier Jan 2025 #5

After November high it dropped in December and has continued question everything Jan 2025 #6

If your portfolio has lost money over the past year, you need a new financial advisor Fiendish Thingy Jan 2025 #7

I've made a shload of money this last year! bif Jan 9 #8

"Moving to high-fee, low-return MMA's ... even if you show a nominal 1-2% return." progree Jan 9 #9

Yes, balance and diversity are key Fiendish Thingy Jan 9 #10

Money market funds are not necessarily high fee. And on market timing... progree Jan 9 #11

I moved money today Bernardo de La Paz Jan 9 #12