The Investment Thread

UncleTrvlingJim said

OK - depending on what "fixed" means, it's probably a safe ratio.... you could be a little more aggressive if you wanted, but not by much.

I am not a financial advisor, but my general plan is to make sure as I near retirement to have more and more of my portfolio in "safe" investments (cash and bond, etc). I don' think I'll have more than say 7 years worth of living expenses in safe investments though... I just need enough to weather 5-7 years of a bad market should it come to that.

Click to expand...

My "fixed" is a pot of money that can never lose principal and is earning money at a 3% rate.
If it is helpful for you to help me.... here's my situation... I'm paid each month on the 15th and the 30th.
Each time I'm paid, $375 of my pay is directed as a contribution to my 401k. Until yesterday, 50% of my contribution was always allocated to the Science & Tech and the other 50% was allocated to the fixed.
Yet yesterday, I called the company ( Corebridge Financial / AIG ) and changed it for the future. My future contributions will have 75% allocated to the fixed and only 25% to the Science & Tech.