Update on my 401(k) decisions.

[Crowman2009]

I shifted the funds in my 401(k) a few weeks ago from stock market-related mutual funds to a low-risk Managed income fund that mostly invests in Treasury Notes. Also moved my IRA funds to money-market funds, and sold my stocks for a one-year CD ladder with my credit union. Which I am glad considering the recent plunge. I'll probably go back to stock market-related mutual funds in the near future when it bottoms out due to Trumpy-dumpy's tariff fuck ups and the A.I. bubble finally pops. So I'm waiting this out.

https://media4.giphy.com/media/v1.Y2lkPTc5MGI3NjExdnRqMXRlMWY3eWt0OG44c2VqdDJmZGpzNWl5amt1Z2Nua2g1ejVmcSZlcD12MV9pbnRlcm5hbF9naWZfYnlfaWQmY3Q9Zw/mEUjtM6tTH64iztv6i/giphy.webp

[DeepWinter]

1. My investments

didn't do anything crazy last Trump term. Nor Biden's. I still have 10 years to my planned retirement. I'm holding the course.

[Crowman2009]

4. Oh it went crazy for me in the last Drumpf term.

My 401(k) dropped big time around COVID thanks to that SOB, and luckily turned around once Biden was in office. But I'll give it a few months since the MAGA civil war has already started and I'm in dire need of some popcorn. Plus I want crypto to crash like Tulips.

[bucolic_frolic]

2. Market timing is a difficult dance number

[Disaffected]

3. True and,

ultimately futile in the long-run. Much like day-trading.

[Johnny2X2X]

5. My number 1 rule

Don’t let politics mess with your money. There is nothing in the data right now suggesting the markets will pull back severely in 2025. Stay the course. Risk is already mitigated with a good mix anyway.

[Oneironaut]

10. This!

[Nigrum Cattus]

6. Very smart

I have told everyone to do the same thing. 2025 is going to be
unpredictable at best. All stock markets are going to be volatile
as well. Most likely the only ones making money will be individual
stock holders not anyone with IRA's and the such.

[NoRethugFriends]

9. Individual stocks can be in IRA's, so I don't understand your comment

[Crowman2009]

15. Yep, and my 401(k) would have declined 10% if I kept those same stock market mutual funds.

[Fiendish Thingy]

7. Timing the market is a fool's errand.

The market and the economy is expected run hot for the next 6-12 months, even with tariffs and deportations- you’re going to miss all that growth now. A correction has long been expected, so a drop of 10-20% shouldn’t shock anyone after years of record setting highs thanks to Bidenomics.

What if Trump succeeds in backing treasury bills with crypto, then what?

Our balanced and diversified portfolio (with no high fee money market funds that typically pay less than inflation, so you’re actually losing money) weathered the crashes of 1987, 2001, 2008 and COVID, dropping less and rebounding quicker than the market, making respectable gains that have afforded us a comfortable retirement.


If the markets ever crash worse than 2008 and COVID, your investments will be the least of your worries; finding good recipes for squirrel and possum, without using the internet, will take priority.

If we get a correction, or even a recession in 2026, the odds will favor Dems retaking the house and possibly the senate, likely with the backing of the banking and financial industry. If Trump’s agenda is blocked, and the markets settle, how will you know the right time to jump back in?

[The Madcap]

8. Squirrel or possum?

No...I'll eat the dogs. I'll eat the cats. I'll eat the pets of the people who live here. But not the people...too much rancid MAGA meat for that...

[beaglelover]

11. Best of luck to you.

[Fla_Democrat]

12. That's a bold strategy, Cotton.

[airplaneman]

13. I have a sure fire way to invest

If I buy stock prices go down
If I sell stock prices go up
-Airplane

[quaker bill]

14. I am not sure the bottom comes very quickly

I expect several legs down separated by brief plateaus that might look like bottoms. Be cautious. Thre are a number of things he reportedly plans that will mature at different dates. Many are not thinking he will actually do some of the stuff, so it is not yet priced in. I think he will at least make a strong attempt at most of it. Yes, several attempts will fall short, but do plenty of damage anyway. The economy will be smaller and prices at the store will be higher.