Keep staying the course? Investing in volatile times

You guys are going to make me log in and check, aren’t you?


I’ll be 41 this year. Assuming 24 years left, I am changing not a damn thing.


HODL


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Cherokee_Cruiser said:
So why you scared? Lower time frame to retirement?
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Yup. I’ve got 10 years on you. That said, whatever you’re doing you’re not even beating the S&P.

And I totally understand folks here who know what they’re doing in the market are laughing at both of us.
 
I’m 30% target retirement 2050 fund

30% Fidelity 500 fund

And 40% broken down as 10-10-10-10 in 4 other funds.

10% is intl index and 10% is ext mkt index. These have been weak performers. I think I’m gonna reallocate future funds and transfer these holdings into the target 2050 fund.
 
Ian_J said:
Yup. I’ve got 10 years on you. That said, whatever you’re doing you’re not even beating the S&P.

And I totally understand folks here who know what they’re doing in the market are laughing at both of us.
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I don’t know very much to be honest. but as I am reaching retirement age, I’m starting to realize that I’ve got a lot of stuff in the wrong kinds of accounts…. I focused on retirement accounts in my younger ignorant years neglecting the other accounts like taxable brokerages and HSAs. Not learning about investing for retirement until I was 45. now I wish that I could have the 10-15 years back and started when I was 30 or even 20.

I didn’t start being serious about retirement until I finally upgraded to captain at yellow 7 years ago. Now my stressor is I don’t think I will have enough to retire at 65.

I started with the targeted retirement fund date of 2030 in the 401k originally. Performance was mediocre. In 2022 was when I finally learned a little bitand sold all of my 2030 funds and switched up to 10% bonds and 90% equities choosing a total stock market index ETF instead of picking individual stocks.

I’m just making up for lost time, putting away $2000 every paycheck into the taxable brokerage.
Matching the 16% company contribution into the Roth 401k every paycheck.
Funding the IRA fully on Jan 1, doing the backdoor Roth conversion on Jan 2. Doing the same for my spouse.
Used to fund the HSA fully on Jan 1. But now funding the HSA monthly month by month just in case yellow goes under and I can’t get another HSA eligible HDHP to avoid having an excess HSA contribution if I become unemployed.
In June when social security taxes stop, I contribute what would have deducted for social security into the taxable brokerage.
In October when I reach my 401k contribution limit, I contribute the 16% that would have gone into the 401k into the taxable brokerage.
Then when I reach my 415c limit and the airline cannot put their employer contribution into the 401k, I get the excess in March the following year, and send that to the taxable brokerage.
On my side gig, I put the employer (i.e. me) contribution into a solo 401k. I can’t put an employee contribution into the solo 401k because I’ve reached it with the main gig (pretending I’m an airline captain).

Anything in Roth is 10% bonds 90% stock market index.
The HSA is 100% stock market index.
Traditional 401k amounts (company contribution) are 40% fixed income 60% stock market index.
For the taxable brokerage, lately (since the blue-yellow merger was blocked) 80% is money market. 20% equities. This is going to be my primary income source if yellow liquidates and I am unemployed. Before the merger was blocked it was 25% money market 25% fixed income 50% equities. once I learned that a taxable brokerage is a good thing to have even if it is taxed - it’s where the money comes to pay the tax on Roth conversions and I’ve been focused on making sure that gains from the taxable brokerage are long term capital gains rather than short term gains. below a certain AGI, long term capital gains are taxed at 0%. (Though it won’t be at that tax rate while my spouse and I are working). But if we are both unemployed, then any long term gain in the taxable brokerage is 0%.

Because I am mostly tied to the stock market. It was quite unsettling to see it all drop a few weeks ago…. But I’ve decided now that I’m not going to change anything either.
 

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derg said:
Dude, that’s like showing someone the brown doo-doo stains in your tightie whities.

This is not a flex in the least.
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It's not even a 2% gain on currency debasement. I still wonder if his 5 year gain would be greater than 26.65% the aggregate inflation rate. A melting ice cube.
 
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