If You Have Skin In The Market

[HEMIHUNTER]

Not bad for me, down 2% I’m pretty diversified though.


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[89BIRD]

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I had one of those, but they're rare nowadays..

The're around if you want to be a public employee schlepper like me.....

 

[cidsamuth]

People retiring this year should be CRUSHING it with treasuries.

Fixed income up like 30%

Again, that only makes sense if you are pulling it out at retirement, either to have the cash or to buy a lifetime annuity. If you are letting it sit, or only pulling out small, periodic distributions, it makes no sense to get overly conservative.

With our 401, you are forced to pull it out at age 72. If I'm lucky enough to live that long, only then will I go conservative a few years prior.