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multigraincracker

(38,034 posts)
Sat May 16, 2026, 08:01 PM Saturday

Sell high, Buy low. I think it's about time.

Not that I have a lot in the market, just 3 stocks, but they are all worth more than I paid.
I'm betting on higher interest rates and will put the funds in 3 month CDs. Hope to roll them over every time they are due.

That's just me, I wouldn't bet on it.

6 replies = new reply since forum marked as read
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multigraincracker

(38,034 posts)
2. I sold a majority of them last year and the Capital Gains was way lower than I thought it would be. This will be way
Sat May 16, 2026, 08:31 PM
Saturday

less than those. The main reason I got them was for the dividends, they are making almost 3% max.

Fiendish Thingy

(24,051 posts)
3. You'd prob do better putting the money in diversified index funds
Sat May 16, 2026, 08:45 PM
Saturday

Owning three stocks in just three companies is incredibly risky, so selling and reinvesting elsewhere is a good idea.

If interest rates go up, that means inflation is up too. Putting your money in CD’s will probably not keep up with inflation.

Not sure how much you’re looking at investing, but you could divide it up into five chunks and mitigate some of the volatility that comes with the Trump era.

20% Large cap such as Windsor or Wellington
20% Mid cap (not too tech heavy)
20% international fund
40% in a couple of bond funds

Rebalance 2-3 times a year to maintain those proportions.

If you’re not too close to retirement, then set it and forget it (other than rebalancing).

Our professionally managed portfolio weathered the crashes of 87, 2001, 2008, COVID and Trump and provides a decent portion of our retirement income. We never bailed or moved everything to cash, even when the market was down 50% (our portfolio only dropped 30%) in 2008-09.

multigraincracker

(38,034 posts)
4. Like I said, I don't have much and just good dividends stocks. 50 shares of one, 100 of another and 400 in the other.
Sat May 16, 2026, 09:30 PM
Saturday

Most of my money is in a Money Market account. I was planning on doing the same with that money. I'm retired and have zero debt. Live on SS and a pension. Wife just retired and the same.

anciano

(2,312 posts)
5. I have always followed the old adage of investing
Sat May 16, 2026, 09:31 PM
Saturday

in "whatever will give you a peaceful night's sleep". It has served me well for the past 50+ years.
Good luck and best wishes 🙏

multigraincracker

(38,034 posts)
6. Being debt free works for me.
Sat May 16, 2026, 09:56 PM
Saturday

Last car payment was in 1982 and I’m in my 3rd payed for home. I’m 76 and looking at 10 to 14 years to go if I live as long as my parents. Really could spend some down traveling in the next few years. Even with current gas prices, just not as far and overseas isn’t looking to good now. Never been to the far East and that might be on a bucket list.

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