Always go 100% stock, $SPY and $QQQ

This nonsense about being out of the market is a ticket to poverty. Now, if interest rates really go up, I would go to a fixed income model, but that may not happen every again. I don't know.

The risk is individual stocks, not the indexes. Just mix between SPY and QQQ.

I am 11 months from retirement at age 50

In response to this post by WestyHokie

Posted: 02/24/2017 at 9:56PM

When you are within 6 years of retirement, what's your allocation? -- WestyHokie 02/24/2017 10:22AM

Always go 100% stock, $SPY and $QQQ -- MrBayAreaHokie 02/24/2017 9:56PM

Target date fund allocations are a good place to look. -- Nelsonia Hokie 02/24/2017 5:30PM

Thread hijack...Any of you have advice on fund reallocation? -- MP4VT2004 02/24/2017 3:16PM

With 30+ years until retirement, I think you should stick to 100% -- Hokie360 02/24/2017 4:55PM

Be Aggressive. You have 30+ years to weather any downturn. -- vtbones 02/24/2017 4:50PM

I would look at a number of the highly rated, low fee target year mutual -- Hokebury 02/24/2017 2:28PM

I was using target date funds like that....but then I looked closer at fees -- Late 80s Hokie 02/24/2017 3:12PM

Yeah - they double dip the fees on those target funds, but the ones I've -- Hokie360 02/24/2017 3:20PM

Ever look at robo-investing? ** -- VTMojo 02/24/2017 4:00PM

Not really. It seems to be a good idea and similar to Target funds for -- Hokie360 02/24/2017 4:31PM

Good point, I use the same 2025 for 1/3 ** -- WestyHokie 02/24/2017 2:59PM

I've been thinking of rolling over old SEP and IRA to Betterment -- VTMojo 02/24/2017 2:19PM

With my simple mind, I am now in the process -- VaTechie 02/24/2017 2:08PM

100% Bitcoin ** -- bulab 02/24/2017 1:15PM

The Ron White plan for retirement. ** -- Major Kong 02/24/2017 11:56AM

Better than the James Dean plan -- TomTurkey 02/24/2017 8:22PM

Short Tesla ** -- MEHOKIE 02/24/2017 11:54AM

In the same boat and struggling as well. Made some adjustments this week. -- Burke Hokie 02/24/2017 11:52AM

...blue horseshoe loves anacott steel ** -- chumley 02/24/2017 11:30AM

Right now I would probably go 65/35 or even 70/30 ... -- vt90 02/24/2017 11:26AM

My personal investment (including 401k) I expect to be almost all stock -- Hokie360 02/24/2017 11:23AM

In same boat but still very heavy equities... -- hookie 02/24/2017 12:34PM

100% in BMW -- Guy LeDouche 02/24/2017 11:11AM

Retirement? What's that? ** -- Brown Water 02/24/2017 11:11AM

75% hookers/25% blow ** -- CPRVHokie 02/24/2017 10:50AM

That is the plan! ** -- HortHokie 02/24/2017 11:11AM

My plan (and I am 40).... -- HokieForever 02/24/2017 10:40AM

That seems like a very bond heavy mix for someone still working. -- Hokie360 02/24/2017 11:54AM

I'm right there with you and struggling with the same thing! -- DonHo-kieHi 02/24/2017 10:39AM

Tough these days, I really think that the corp. tax laws -- fordham 02/24/2017 10:37AM

That's something I'm watching ... don't want to miss out ** -- WestyHokie 02/24/2017 10:44AM

Didn't you hide everything in Cayman recently? ** -- PhotoHokieNC 02/24/2017 10:32AM

Shhhhh ... ** -- WestyHokie 02/24/2017 10:43AM

Always go 100% stock, $SPY and $QQQ

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