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To: SamAdams76

You will not regret taking some of your gains and locking in the profit. However as you near retirement, a good rue is to balance your stocks with fixed income investments 50% of each,

In my case my fixed income is really a money market fund, since bonds and money markets yield about the same.

How close to retirement you are makes that ration important. If you are very young, the 80% stocks makes sense. Etc.


39 posted on 01/02/2020 2:45:10 PM PST by KC_for_Freedom (retired aerospace engineer and CSP who also taught)
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To: KC_for_Freedom
I just went from a 70/30 ratio (leaning aggressive) to a 50/50 split.

I'm still 10 years away from when I want to retire which will be the SSA FRA age for my bracket (67). I was at 60/40 when Trump got elected and made it 70/30 just before his inauguration.

It was a very nice three years. Now I don't want to push my luck!

54 posted on 01/02/2020 3:49:37 PM PST by SamAdams76
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