Payday is the end of this week. Right now my leaning is to allow 100% of my contribution to go into stable value fund again. The stock market is still up, and I'm still at about 90/10. If the stock indexes drop significantly by Thursday, maybe I'll buy. See you Thursday!
First time here?
Your last post was back in January. Wondered if you are still using this system and what the results are.
ReplyDeleteOoh! A reader! I'll have to start posting again. Thanks for commenting! I am indeed using the same system still, with perhaps slight modifications. My YTD return is hovering around 0% right now with the downturn that started in August. I've been putting all new money into stock funds through the downturn and also shifting some existing funds into stocks as well. More soon, you've inspired me to post again!
ReplyDeleteI'm very intrested in that the stratagy I'm using currently for my 401K sounds somewhat similar to what you are using.
ReplyDeleteI am currently at about a 70/30 stock/bond ratio and adjust stock/bond ratio of each paycheck contributions based on where the Dow is vs rolling 1 yr high/low of the Dow.
Always looking for ways to improve on what I am doing with 401K and constantly tweaking my stratagy. My YTD rate of return is 4.2% as of 12/1.
I managed OK during the Aug downturn as I was under 40% stock allocation at the beginning of the downturn.