Investing in Stocks When Market is High - Early-Retirement.org

Investing in Stocks When Market is High

Yesterday, 11:32 AM	? #1
Confused about dryer sheets ? Join Date: Apr 2012 Posts: 2	Investing in Stocks When Market is High Curious on peoples opinions on this. Have a bunch of money to invest right now. Want to add to my 50/50 portfolio. Am I dumb to be nervous about putting a large chunk of money in stock funds right now with the market so high? Would you just dump it all in now? Or average out the stock portion over the next year. This is for a retirement portfolio where retirement is starting now. ' + '?' + google_ads[i].line2 + '?' + google_ads[i].line3 + '?' + '' + google_ads[i].visible_url + ' '; } } '' } if (google_ads[0].bidtype == "CPC") { /* insert this snippet for each ad call */ google_adnum = google_adnum + google_ads.length; } document.write(s); return; } google_ad_client = 'ca-pub-7757781251671730'; google_ad_channel = '3711355403'; google_ad_output = 'js'; google_max_num_ads = '6'; google_ad_type = 'text'; google_feedback = 'on'; // -->
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Yesterday, 02:47 PM	? #2
Full time employment: Posting here. ? Join Date: Aug 2012 Location: Upstate Posts: 642	We're in a similar situation, and discussing now a plan for dollar cost or value average investing. In either case, it's not going to kill us to wait out the summer for a correction, or begin averaging in in the early fall. YMMV. Tyro ' + '?' + google_ads[i].line2 + '?' + google_ads[i].line3 + '?' + '' + google_ads[i].visible_url + ' '; } } '' } if (google_ads[0].bidtype == "CPC") { /* insert this snippet for each ad call */ google_adnum = google_adnum + google_ads.length; } document.write(s); return; } google_ad_client = 'ca-pub-7757781251671730'; google_ad_channel = '3568142076'; google_ad_output = 'js'; google_max_num_ads = '6'; google_ad_type = 'text'; google_feedback = 'on'; // --> __________________ Yeah well, that's just, ya know, like, your opinion, man. ~ The Dude
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Yesterday, 05:47 PM	? #7
Confused about dryer sheets ? Join Date: Apr 2012 Posts: 2	after posting this i did some googling on dollar cost averaging vs. whole lump sum at once and it seems mathematically doing the whole lump at once is a little better...unless you are chicken which i guess i am....maybe i will break it up over 3 months....then again i shouldn't have to touch this money 5 years so maybe the lump at once is best. damn need a crystal ball.
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Yesterday, 06:21 PM	? #8
Dryer sheet wannabe ? Join Date: May 2013 Posts: 10	We are at a very odd crossroads. The market has become a rather confusing place to be nowadays. In previous time good news was a good thing for the market but today it seems that good news means the opposite due to QE3.... It makes me a bit nervous when I look at it from the vantage point of Bernanke having so much power over the market. I say all that to say that I am new to investing and I am still in the middle of my learning curve.
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Today, 08:39 AM	? #13
Thinks s/he gets paid by the post ? Join Date: Jun 2007 Posts: 1,978	I'm a lump summer. My view is that the safety is in diversification and asset allocation, so I'd rather get right to those levels rather than have my AA out of whack while I average into it. I'm not a market timer. If I'm going to feel secure in my AA in a year when I've fully averaged in, why wouldn't I feel secure with it today by lump summing it? Besides, there is nothing different (other than tax implications and transaction costs) between a person who is already fully invested, and someone who is trying to decide how to invest a sum of money they may have just come into. If it's better for the second person to put 10% in every month, should the first person be selling 90% of their holdings and then putting 10% back in each month? Some market timers may do that, and if this is you, averaging in may make sense. For me as a non-timer, it makes no logical sense. But if averaging in helps you sleep better, do it, but you ought to recognize you are letting emotions influence a financial decision.
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Today, 12:32 PM	? #15
Give me a museum and I'll fill it. (Picasso) Give me a forum ... ? Join Date: Jan 2008 Location: Chicagoland Posts: 7,248	If you're investing for the long term, it really shouldn't matter, current market highs will seem like bargains in like every time before in 10, 20 or 40 years IF the past 140 years are any indication. And "this time it's different" has been wrong every time before this, though people were just as convinced otherwise every time before too (like now?). I've invested large lump sums before (the largest in summer 2011), but I DCAd I to 401k's for decades like many others too. That said, if a lump sum makes you uncomfortable, nothing wrong with DCA or some otherwise stepwise series of investments instead of a lump sum. There's no absolute best way, and you'll only know long after you've acted - woulda, coulda, shoulda - life is too short. ' + '?' + google_ads[i].line2 + '?' + google_ads[i].line3 + '?' + '' + google_ads[i].visible_url + ' '; } } '' } if (google_ads[0].bidtype == "CPC") { /* insert this snippet for each ad call */ google_adnum = google_adnum + google_ads.length; } document.write(s); return; } google_ad_client = 'ca-pub-7757781251671730'; google_ad_channel = '2895579729'; google_ad_output = 'js'; google_max_num_ads = '6'; google_ad_type = 'text'; google_feedback = 'on'; // --> __________________ It's a pity to waste your life living the same tiny day over and over again. James Taylor Retired Jun 2011 at age 57 Target AA: 55% equity funds / 40% bond funds / 5% cash approx 20% SI (secure income, SS only) Target WR: approx 2.5%
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