Here Are 27 Reality Checks About Retirement

HarryHawk

Rev. Harry
Location
Michigan
That's the good thing about living in America, you pay your dime, and take your chance. You folks are certainly more optimistic than I am about the near term outlook for investments, I see rampant inflation staring over the edge of an impending recession. I honestly hope I'm wrong and hope y'all make a killing over the course of the next few months. I'll be the first in line to congratulate you for your insight.

As of now, I'm glad I got out when I did. When I do get back in, I'll be starting at ground zero rather than in a hole, so I have some room for error when things do start to improve. If I miss the first 10 - 15% I'm no worse off than had I stayed the course.

Best of luck to everyone.
 

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Aunt Bea

SF VIP
Location
Near Mount Pilot
That's the good thing about living in America, you pay your dime, and take your chance. You folks are certainly more optimistic than I am about the near term outlook for investments, I see rampant inflation staring over the edge of an impending recession. I honestly hope I'm wrong and hope y'all make a killing over the course of the next few months. I'll be the first in line to congratulate you for your insight.

As of now, I'm glad I got out when I did. When I do get back in, I'll be starting at ground zero rather than in a hole, so I have some room for error when things do start to improve. If I miss the first 10 - 15% I'm no worse off than had I stayed the course.

Best of luck to everyone.
Good luck, Harry!

See you on the other side!
 

mathjak107

Senior Member
Well, the way we like to weather the downturns is to move money over into a great "defensive" fund we own. Just sit and wait it out. Of course each time is different and if the market crashes no where in the market is safe.

The irony is the defensive fund has beat the S & P 500 for many years so its like "why not leave it there"...lol.

I know some that think they can time the market...maybe they can. Others like to have skin in the game and be part of the volatility index...lol.
You still have not told us what fund it is that has beaten the S&P for years
 

mathjak107

Senior Member
That question doesn't seem too difficult
Except for the fact if we look it likely may have outperformed over an exceptional period like the lost decade ..any bets if that’s the case a simple 30 year bond beat that fund over the same time frame.

in fact equities and gold have beaten equities and bonds over almost all time frames for the last two decades
 
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Liberty

Well-known Member
Location
Texas
You still have not told us what fund it is that has beaten the S&P for years


If anyone wants to PM me I'll be happy to share the specific name of the fund which I was talking about -will ask you not to publish it on this forum - as I mentioned "its simply a good dividend growth fund". There are other dividend growth funds of course. Please don't think I'm promoting it. Personal investment choices are just that - personal...lol.
 

mathjak107

Senior Member
If anyone wants to PM me I'll be happy to share the specific name of the fund which I was talking about -will ask you not to publish it on this forum - as I mentioned "its simply a good dividend growth fund". There are other dividend growth funds of course. Please don't think I'm promoting it. Personal investment choices are just that - personal...lol.
That makes zero sense …we talk about Stocks and funds all the time.

i don’t even know how to pm on here , so pm me with the name then
 

Liberty

Well-known Member
Location
Texas
That makes zero sense …we talk about Stocks and funds all the time.

i don’t even know how to pm on here , so pm me with the name then
If you think I make zero sense, then I doubt you'd care about any fund I own.
Honestly, do your own homework mathjak - you are well versed in the stock market - get on the web and find it if you care so much about dividend funds. I'm sure fidelity has several.

I don't want to promote any investment advice here on the forum. Past performance does not guarantee future performance and I'm guessing people here have hard earned money they may be wanting to invest and are trying to keep up with inflation with. I am not a financial advisor. However, if anyone wants to check it out, I'd be happy to give them the information, as we've been very happy with this fund.
 

mathjak107

Senior Member
If you think I make zero sense, then I doubt you'd care about any fund I own.
Honestly, do your own homework mathjak - you are well versed in the stock market - get on the web and find it if you care so much about dividend funds. I'm sure fidelity has several.

I don't want to promote any investment advice here on the forum. Past performance does not guarantee future performance and I'm guessing people here have hard earned money they may be wanting to invest and are trying to keep up with inflation with. I am not a financial advisor. However, if anyone wants to check it out, I'd be happy to give them the information, as we've been very happy with this fund.
all we want to do is verify your claim that this defensive fund beat the s&p over most time frames .

it has nothing to do with investment advice . this is what financial forums do , we discuss funds and investments.

if someone is going to make a claim about performance , we should be able to verify that claim .
 

Liberty

Well-known Member
Location
Texas
all we want to do is verify your claim that this defensive fund beat the s&p over most time frames .

it has nothing to do with investment advice . this is what financial forums do , we discuss funds and investments.

if someone is going to make a claim about performance , we should be able to verify that claim .
You are free to go to Fidelity and ask them. Also if you look on the web you will find several references to Dividend funds that have beaten the S & P 500 over specific years or even a decade with reams of data to prove it. I'm sure the one we own isn't the only one, its just a really good one that is way less volatile than the typical index funds.

That's what the financial discussion was about - dividend funds in general.
 

mathjak107

Senior Member
You are free to go to Fidelity and ask them. Also if you look on the web you will find several references to Dividend funds that have beaten the S & P 500 over specific years or even a decade with reams of data to prove it. I'm sure the one we own isn't the only one, its just a really good one that is way less volatile than the typical index funds.

That's what the financial discussion was about - dividend funds in general.
this was a waste of all our time to be frank

and a dividend fund is not the same thing as a defensive fund .

you would have to struggle to find a time frame fidelity fsdix which is strategic dividend and income beat the s&p as an example.

as well as 80% of the s&p pays dividends , that doesnt mean it is a defensive fund by your definition above about dividend funds being defensive.

just being less volatile does not mean it is a defensive fund and funds that are playing the sector game and calling themselves defensive funds are not really . they are a overly risky bet on a sector being the correct one to be in at the moment

at the end of the day being defensive over any meaningful time frame is rarely going to beat the s&p 500
 
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mathjak107

Senior Member
When it comes to being defensive or not , it usually isn’t decided by a fund ..it is decided by the allocations and portfolio that fund is used with .

here is a list of the most defensive portfolios that are highest on the ulcer index …higher meaning more defensive .

info on each is available here

https://portfoliocharts.com/portfolios/

 

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