Your current investing posture?

[rdrr]

I got a couple of irons in the fire, but none of them is bigger than my 401k/403b nest egg. My wife has essentially almost all of 401k/403b from work. I am getting a little bit nervous about the current market, and from my perspective, a whole lot of hogwash is behind the current overall market valuation vs reality. My wife is a lot closer to retirement age (1 - 3 years), and I have adjusted her portfolio to be conservative. Even still, there are no guarantees in the conservative funds. Heck, even the "Money Market fund", essentially cash that is $1.00/share states, "You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so."

With 8 - 10 years left, how should I be posturing my portfolio, and what other tips, other than inventing a time machine and buying gold at a sub 1K /oz, can I do to have something leftover after another 1929 crash?

 

[Citysnaps]

As one low risk component... I like treasury bills purchased directly from the government (treasurydirect.gov) A decent return and secure. And no state income tax on interest earned.

 

[fooferdoggie]

As one low risk component... I like treasury bills purchased directly from the government (treasurydirect.gov) A decent return and secure. And no state income tax on interest earned.

I have heard that they are becoming risky Now.

 

[Citysnaps]

I have heard that they are becoming risky Now.

How is that? Due to current administration potential shenanigans?

 

[rdrr]

Not arguing, just wanting to keep this as politics-free as possible.

I understand and have a very small amount (maybe 1%) in treasury bills (still have 10 years to maturity and 20 for the full 30 year interest), but even Warren Buffett suggests no more than 10% in T-Bill holdings.

Of course 10% for him would make my whole nest egg look like loose change.

 

[fooferdoggie]

How is that? Due to current administration potential shenanigans?

Just heard of selloffs and such. Trump is devaluing the dollar so much.

 

[cbum]

Here's a historical nugget (that should be) relevant to the current immigration insanity - and its economic impacts.

As you may know, Mamdani is of Ugandan ancestry. His father was in fact part of the cohort of Indian immigrants that Idi Amin Dada decided had to be forced out of the country in the 70's for nationalistic reasons.
The economic consequences of the resulting Indian exodus were so dire that he tried to reverse course and have them come back - guess how may did...
Mamdani's dad left and pursued an illustrious higher education career and the rest is history.

 

[DT]

Our FA company is doing a fantastic job given the insane investment dynamics in play (partner org with my BIL's accounting biz, who handles our personal and previously, our company).

 

[cbum]

Speaking of investments... how 'bout them deals between MBS and the Trump "familia" getting done today?

MBS is getting our most advanced fighter - the F35, advanced chips, rehabilitation for Khashoggi's murder, security guarantees...
The Familia is getting massive bribes in form of real estate etc. projects in SA.
What is the US getting?

And lest I forget the twist: We are now at risk of extortion by SA, since they can share the F35 and chip intelligence with any adversary they choose if we don't "behave"... and China has been very active in that area recently.

I would have thought T would have wizened up a bit by now to expose himself to blackmail in this manner. I guess he it too far gone or too dumb to know what he is doing.

 

[Citysnaps]

And lest I forget the twist: We are now at risk of extortion by SA, since they can share the F35 and chip intelligence with any adversary they choose if we don't "behave"... and China has been very active in that area recently.

That would also include the capabilities of F-35 electronic countermeasures (ECM) systems, the physical and chemical makeup of radar absorbent materials used over the airframe, and even the ability to potentially put an F-35 in a large anechoic chamber and characterize its (tiny) RF signature when exposed to opponent radar systems (and ways to get around that). And possibly insight into its communications and radar systems leading to measures/methods used to deter interception.