Q: I have all of my money in stocks and I have never tried moving it into anything else. What if I was pretty certain that the stock market was going to have a negative adjustment? Should I move my money into something else temporarily until it starts to rebound? A: You’re talking about market timing; the answer depends upon the probability of being right in your prediction, the benefit to you of being right and cost of being wrong. For most investors, particularly those relying on their investments to fund retirement income someday, market timing is a poor bet.
Browsing: stock market
Q: I am an active-duty soldier participating in the Thrift Savings Plan. I do not get a matching contribution. My money is invested in the S and I Funds, and this week I have lost $4,000. My investment had been exclusively in the G Fund, and my account was slowly growing. When I switched money in February from the G Fund to the I Fund, I began to make more money. I want to switch back to the G Fund for stability but am afraid that since the share prices are lower, the value of my account will drop because…
Q: I am five years away from retiring. My husband retired at age 48 in 2000 with $300,000 in his 401(k). He went to a financial planner and set up an annuity. The way it was written, he couldn’t change the dollar amount he was allotted. Needless to say, his money ran out this year. I have 30 percent of my income invested in the Thrift Savings Plan, all in the G Fund, hopefully not making the same mistake with the stock market. Should I go to a financial planner to have a monthly annuity made up? I don’t want…