No. of Recommendations: 7
D'oh, you're right *slaps forehead*. CCE and fixed income in Roth IRA.. doesn't make much sense now that I think about it, ha.

It has nothing to do with the Roth, and everything to do with your time frame to retirement. If you don't plan on retiring for 25-30 years, you have plenty of time to ride out the bumps that the market may throw at you. Of course, if you wouldn't feel comfortable 100% in equities, thats a consideration too. You need to do what lets you sleep at night. If you'd constantly be worried that way, then its no good for you.


I also know this is NOT the portfolio I want to be using during Bearish markets.. so what kind of portfolio allocation would you recommend during bear markets (knowing the % above is how I would like to be invested during Bullish markets).

You make a big mistake her. That is pretending that you have any way to know when a type of market will begin and end. If anyone of us could predict that, we would be retired to our favorite island and not sitting here ;). And the people who do tell you they can predict that are usually trying to sell you something - or fill time on the air.

If you waited to know you were in a bear market to switch to a more conservative portfolio, you already took a large chunk of the losses. And if you wait to know you're in a bull market to switch back, you already missed a nice chunk of the gains.

The key is consistency, and rebalancing your portfolio so you stay with your plan year in and out. So you don't end up more concentrated in one type of equity than you'd like after a run up.

This is why, as I said above, it need to be something you're comfortable with giving you good long term results, and able to ride out whatever may happen in the middle.


Really? That's pretty encouraging to hear

Well, yeah. But if you need to light a fire under your butt, you woulda been a lot better off it you started 10 years ago... so get going ;)
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