Investment income on the decline again

The markets continue their "ups and downs", and will probably do so for the foreseeable future. Most of the "experts" are still calling for a recession....but, that is just their educated guess. Much of it probably depends upon the moves by the Fed, and their impacts on inflation. For now, I'm staying fairly conservative.
 

I will tell you , I am pretty conservative with just 35-40% equities but I do own gold and long term treasuries as well ..yesterday was amazing .

it was the largest gain in my investing life with a one day move of 6 figures …just insane
 
Yep, fantastic day yesterday...a lot of folks made a lot of money "if they take it out right now."
Only days that matter in the market are the days you put it in and the days you take it out...everything else is watermelon talk - just spitting out the seeds...lol.
 
Actually that really isn’t the case .

each year our draws are set by portfolio balances sell or not .

so what happens in between is very important.

rmds and the taxes you pay are based on that balance as well .

whether one has Medicare surcharges can depend on those rmds which are dependent on balances as well.

when you think about it there is no difference between say selling your S&P fund and buying a total market fund vs keeping the S&P fund in play .

the outcomes can be the same regardless if you sell or not .

only difference maybe taxes if in a a taxable account .

so the myth of its only on paper if you didn’t sell is just that , a myth .

the only time it matters is if you are down and sell an asset with out the ability to come back as much like going to cash and not reinvesting ..

otherwise it is really just switching pockets around whether you sell and buy something else or not .the money is still in play and varies daily
 
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