If you think the stock market is running hot and want to play it safe, where would you put your money?
- An international fund like VXUS?
- Bonds or treasuries?
- A mix of strategies (like Buffett)? Or something else?
The stock market itself because it doesn’t matter what I think.
Bran said:
The stock market itself because it doesn’t matter what I think.
That’s actually a very fair point.
Bran said:
The stock market itself because it doesn’t matter what I think.
Top comment on this forum to ‘where should money go if the stock market feels overvalued’: the stock market. This says a lot about the current sentiment.
@Will
Honestly, it’s not about the current sentiment. It’s always the advice: time in the market beats timing the market, no matter what’s happening.
Bran said:
The stock market itself because it doesn’t matter what I think.
Time in the market > timing the market. Just DCA and relax.
The market might feel overpriced, but the tricky part is it can stay that way for a long time. Timing it isn’t just about knowing where to move money—it’s about knowing when and for how long.
Diversifying and balancing your risk tolerance with bonds is probably the best move while sticking to consistent investing.
@Skyler
Exactly. Timing the market reliably is impossible. Some sectors might dip, but when? That’s the hard part. Imagine those who exited the market five years ago and missed the rebound. Stick to index funds and DCA. When the market dips, think of it as buying on sale.
@Flynn
I’ve successfully predicted 17 of the last 2 recessions. That’s some solid accuracy, right?
@Flynn
If the market dips, will you even have cash to take advantage? Holding some for opportunities is an option.
@Skyler
Even if a correction happens, you don’t know how big it’ll be. If it goes up 50% and then drops 20%, you’re still ahead.
@Skyler
Which bonds do you suggest? Corporate, municipal, or treasuries? Looking to grow income.
Send it to my Venmo.
Leith said:
Send it to my Venmo.
Love the idea of using accounts with no return and no insurance. Great strategy.
Leith said:
Send it to my Venmo.
Why do unfunny jokes like this get upvoted instead of real answers to the question?
Leith said:
Send it to my Venmo.
Why do unfunny jokes like this get upvoted instead of real answers to the question?
Maybe because the question feels like asking someone to predict the future?
In a Roth, corporate bonds can be a decent hedge if you time things well enough. But that assumes you can predict drops within a year or so, which is tough. Still, it’s worth looking at historical trends with portfolio tools.
@Reagan
I’ve been redirecting dividends into short-term bonds and 4–5% money market accounts. Honestly, nothing feels like a good buy right now.
It depends on your age, risk level, and strategy.
Some say stick with a three-fund portfolio. Others lean toward value funds or factor investing. Risk-tolerant folks might leverage assets.
Personally, I diversify across stocks, bonds, and metals: 60% in standard indexes, 10% in inflation/recession hedges.
@Tan
Which factor funds do you prefer?