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Personal Finance and Investing

bucolic_frolic

(47,054 posts)

16. We've had this argument before

Reply to progree (Reply #15)

Fri Mar 17, 2023, 01:34 PM

Mar 2023

Yes, on average, 1966-1982 were that bad IF you were invested in a generic, run of the mill stock mutual fund, that is the proxy for index funds of the day (index funds did not exist at that time). Just look at the long term chart of DJIA or S&P 500 for the last 100 years and look for 1966 and 1982. It's that simple.

You time the market with recessions, interest rates, general economic conditions. It's not a science. It's better than buying at the top.

End of discussion. I wish you the best with indexing. I will index. When the markets crash.

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19 replies

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Do retirement accounts have any protections the way the FDIC does for bank accounts? [View all] question everything Mar 2023 OP

In stocks or bonds? Not a chance. mahatmakanejeeves Mar 2023 #1

Thanks question everything Mar 2023 #2

That's not quite right. SIPC insures (from institution failure) up to $500K. spooky3 Mar 2023 #5

Oh, sorry. Good point. mahatmakanejeeves Mar 2023 #7

Mine is in a FDIC insured CD CountAllVotes Mar 2023 #3

I have a Discover Savings IRA SheltieLover Mar 2023 #4

Yes, if your brokerage/mutual fund house is SIPC-insured, up to $500K. spooky3 Mar 2023 #6

Thanks. We did nothing in 1987, 2002 or 2008. Just rode it and the values recovered question everything Mar 2023 #8

In 87 I rode it out and recovered in a short time. multigraincracker Mar 2023 #18

Stock market "investing" is like going to a casino that's rigged in the house's favor blah blah progree Mar 2023 #9

Thank you for a most interesting and detailed summary question everything Mar 2023 #12

Oh, to answer your question, I'm not aware of anything that offers more protection to retirement progree Mar 2023 #10

Will be interesting if Vanguard will email the details. question everything Mar 2023 #13

Where wealthy investors are putting their cash after SVB collapse, CNBC progree Mar 2023 #11

Mindful of several ideas bucolic_frolic Mar 2023 #14

If only I could time the markets (or find someone who could), I would do so progree Mar 2023 #15

We've had this argument before bucolic_frolic Mar 2023 #16

Yes, I remember progree Mar 2023 #17

You are right. PoindexterOglethorpe Mar 2023 #19