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Dave says

(5,417 posts)

26. You could get an FDIC-protected CD and ...

Reply to Karma13612 (Reply #6)

Wed Oct 29, 2025, 11:01 PM

Oct 2025

… get 3-4% or better.

I rebalanced to 50/50 when I retired in 2021. It’s been pretty consistent: I get about 60% of the gain but only 50% of the drops. No telling what will happen going forward, though.

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Karma13612

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Highlight:

When does the Stock Market Crash? [View all] Chasstev365 Oct 2025 OP

Trump will Jerry2144 Oct 2025 #1

Yes, there absolutely no limits PatSeg Oct 2025 #3

People here have been predicting for months and months that it will happen any day MichMan Oct 2025 #2

Nope- just keeping things balanced and diversified Fiendish Thingy Oct 2025 #15

I exchanged my more volatile investments CanonRay Oct 2025 #34

When financial underpinnings of the Trump economy are worse than AI growth prospects bucolic_frolic Oct 2025 #4

Up 20k points since 2019 OC375 Oct 2025 #5

I switched my 401K from a retirement target date fund Karma13612 Oct 2025 #6

So did I. no_hypocrisy Oct 2025 #16

I laddered CDs KentuckyWoman Oct 2025 #17

Yes, I am looking Karma13612 Oct 2025 #21

You could get an FDIC-protected CD and ... Dave says Oct 2025 #26

Thank you for this! Karma13612 Oct 2025 #29

Same here. GoodRaisin Oct 2025 #37

a sign of extreme wealth inequality DBoon Oct 2025 #7

This message was self-deleted by its author Midnight Writer Oct 2025 #8

Great Points ProfessorGAC Oct 2025 #9

Exxon is down because oil is down. Melon Oct 2025 #31

And? ProfessorGAC Oct 2025 #38

This is absolutely not true. Every section (11 in total) are all up this year Melon Oct 2025 #19

Thanks, Melon. I'll delete my post. Midnight Writer Oct 2025 #20

Whenever the AI bubble bursts D_Master81 Oct 2025 #10

Just about anything could spook investors Fiendish Thingy Oct 2025 #11

Who knows? Timing the market is a fool's errand fujiyamasan Oct 2025 #12

80% of the run up edhopper Oct 2025 #13

I am assuming rate cuts and Ai job trimming Johonny Oct 2025 #23

Tech bubble is ready Blue Full Moon Oct 2025 #14

When Nvidia... hunter Oct 2025 #18

Yep. As Prof G describes, America is essentially an all in bet on AI, with circular deals artificially inflating values pat_k Oct 2025 #32

Today was a nutty day Johonny Oct 2025 #22

When the AI bubble bursts krawhitham Oct 2025 #24

November? Captain Zero Oct 2025 #25

There is so much global wealth sloshing around, it has to go somewhere jmbar2 Oct 2025 #27

Don't know when, but Prof G sets out how the end will begin: pat_k Oct 2025 #28

Yes, it's a bubble. Money chasing money, and the "best outcome" I can see for AI is in specialized verticals, where it's usonian Oct 2025 #33

I wish I could comment on all of this lapfog_1 Oct 2025 #30

AI companies are reporting huge profits. It's a bubble but kinda different from 1999. Quixote1818 Oct 2025 #35

When all the missing economic data is finally released, and it's horrific even with manipulation. Doodley Oct 2025 #36