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If you were going to be in bond funds, high yield corporate or medium term international, that move would have been done already.
I don't time markets. I pick a point to take profits or sell and re-balance or look at other places that interest me.
I watch to see where trends are going. I watch main street closely. I don't play in markets I don't feel comfortable in.
At this point, if someone rode the crest of the wave, welcome to the beach. And yes that's going to leave a mark.
Sometimes a plain vanilla balanced fund makes the most sense.
How much debt you have should be a big factor too.
Being out of debt is a major return in itself.
At this point, return, yield, are by-product. Preserve your base capital. Do what you need to do.
As Heretic says: Be very careful taking financial advice from a blog.
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