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Timing the market?
Comments
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Moonwolf said:SouthCoastBoy said:I don't really understand the concern about the current market volatility, it is to be expected, there are always bumps in the road. If your portfolio can't withstand a 30% drop and not recover for at least 10 years I would argue you don't have the financial resilience to retire just yet.
I have run multiple scenarios and I should be better off than many, even on a 1929 scale crash, although I would have to make adjustments.
It is just that starting drawdown, particularly at a temporarily unsustainable rate, as I am bridging to my DB and state pensions, is more uncomfortable after a fall in the market.
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TheBanker said:I am about 15 years away from retirement so not hugely concerned.
However I am about to make a relatively large contribution through Bonus Sacrifice. By default it will be invested in a global equity tracker. Part of me says it's a good time to buy, at a discount. By the time I come to draw my pension Trump will be long gone and, hopefully, normallity will have returned. Is this a rational view (or as rational as a view can be in these crazy times?).
"All lies and jest, still a man hears what he wants to hear and disregards the rest”3 -
I've picked some numbers worked on the idea that my income could halve and take 5 years to recover.
My reference point is starting portfolio value plus RPI, on that basis I might still be ahead even with further drops.0 -
Bianchiintenso said:TheBanker said:I am about 15 years away from retirement so not hugely concerned.
However I am about to make a relatively large contribution through Bonus Sacrifice. By default it will be invested in a global equity tracker. Part of me says it's a good time to buy, at a discount. By the time I come to draw my pension Trump will be long gone and, hopefully, normallity will have returned. Is this a rational view (or as rational as a view can be in these crazy times?).And so we beat on, boats against the current, borne back ceaselessly into the past.2 -
Bostonerimus1 said:Bianchiintenso said:TheBanker said:I am about 15 years away from retirement so not hugely concerned.
However I am about to make a relatively large contribution through Bonus Sacrifice. By default it will be invested in a global equity tracker. Part of me says it's a good time to buy, at a discount. By the time I come to draw my pension Trump will be long gone and, hopefully, normallity will have returned. Is this a rational view (or as rational as a view can be in these crazy times?)."All lies and jest, still a man hears what he wants to hear and disregards the rest”0 -
Bianchiintenso said:Bostonerimus1 said:Bianchiintenso said:TheBanker said:I am about 15 years away from retirement so not hugely concerned.
However I am about to make a relatively large contribution through Bonus Sacrifice. By default it will be invested in a global equity tracker. Part of me says it's a good time to buy, at a discount. By the time I come to draw my pension Trump will be long gone and, hopefully, normallity will have returned. Is this a rational view (or as rational as a view can be in these crazy times?).And so we beat on, boats against the current, borne back ceaselessly into the past.3 -
Bianchiintenso said:TheBanker said:I am about 15 years away from retirement so not hugely concerned.
However I am about to make a relatively large contribution through Bonus Sacrifice. By default it will be invested in a global equity tracker. Part of me says it's a good time to buy, at a discount. By the time I come to draw my pension Trump will be long gone and, hopefully, normallity will have returned. Is this a rational view (or as rational as a view can be in these crazy times?).0 -
Bianchiintenso said:TheBanker said:I am about 15 years away from retirement so not hugely concerned.
However I am about to make a relatively large contribution through Bonus Sacrifice. By default it will be invested in a global equity tracker. Part of me says it's a good time to buy, at a discount. By the time I come to draw my pension Trump will be long gone and, hopefully, normallity will have returned. Is this a rational view (or as rational as a view can be in these crazy times?).0 -
Storcko14 said:Bianchiintenso said:TheBanker said:I am about 15 years away from retirement so not hugely concerned.
However I am about to make a relatively large contribution through Bonus Sacrifice. By default it will be invested in a global equity tracker. Part of me says it's a good time to buy, at a discount. By the time I come to draw my pension Trump will be long gone and, hopefully, normallity will have returned. Is this a rational view (or as rational as a view can be in these crazy times?).And so we beat on, boats against the current, borne back ceaselessly into the past.1 -
Politics should be kept out of these posts, unless I am reading the rules incorrectly?4
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