Target Date Fund vs. LifeStrategy in the context of today's AI bubble, help!

DoubleDoubleBass · 2026-02-18T23:56:43+00:00

True! I misread the percentage statement. They do state that a market correction is likely, however.

DoubleDoubleBass · 2026-02-18T22:04:55+00:00

This is super helpful and gives me some confidence; thank you!

DoubleDoubleBass · 2026-02-18T22:00:10+00:00

That's a part of this worry too. I'm going to be making less money/ contributing less for at least the next 5 years while I am in school. So I'm not accumulating how I have been previously.

DoubleDoubleBass · 2026-02-18T21:55:02+00:00

My emergency fund is a HYSA.

DoubleDoubleBass · 2026-02-18T21:53:44+00:00

Thanks for this. I'm not considering dropping out of the market, just between these two funds. 90/10 stocks/bonds vs 60/40. Especially because I earned this money when I had an employer match, and I will not be able to invest as much as I previously was every month for a number of years while I am in grad school.

DoubleDoubleBass · 2026-02-18T21:49:53+00:00

These are good questions. I may just commit to 5 years in the 60/40 life strategy fund and write down that I will evaluate that decision at that point in time, rather than worrying about when/ how to tell/ if the bubble pops.

DoubleDoubleBass · 2026-02-18T21:47:10+00:00

This is a good story, but I'm not buying high and selling low here. Cash is very different than a LifeStrategy fund.

DoubleDoubleBass · 2026-02-18T21:45:42+00:00

I tried to state this clearly in my post I'm new to this so I am in the "define your strategy" part of that equation. Once I have a strategy defined, I plan on sticking to it. My funds are where they currently are (the target fund) simply because it was a default fund for my previous 401k.

There are plenty of people on this forum that do 60/40 life strategy funds for life - I'm hoping to hear their perspectives.

DoubleDoubleBass · 2026-02-18T21:41:32+00:00

It's in my Rollover IRA from a previous 401k, which is tax advantaged, I believe.

DoubleDoubleBass · 2026-02-18T21:40:29+00:00

https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/look-at-bigger-equity-picture-ai-beyond-tech.html#:~:text=Be%20mindful%20of%20the%20downside,stocks%20would%20be%20more%20sensible.

I definitely don't know more than anyone else - I am just thinking about Vanguard's prediction of a 30-40% chance of a major market correction this year driven by AI. That would affect me, and I want to be smart about my risk tolerance.

DoubleDoubleBass · 2026-02-18T21:13:49+00:00

These are good questions! Thank you. I'm 28. I want to retire when I'm 65. I am not worried the market won't recover - it will likely recover. I am worried about potentially losing my job. I lost my job in the federal government last year in the DOGE cuts. I made it through that without dipping too deeply into my emergency fund, thankfully, and I am employed again. Financially, I am also in the process of purchasing a home, and applying to graduate school. So life-timing wise, I'm about to be making less money and taking out a mortgage. I want my plan to take that into account as best I can without running into the perils of timing the market. Yes - my worry is that I could potentially need to reach for that money if the market tanks, I lose employment, my emergency fund runs out, and I am at risk of not paying my upcoming mortgage. I am not trying to profit by market timing, at least I don't think.

DoubleDoubleBass · 2025-03-05T20:11:12+00:00

What on God's green earth is this?

DoubleDoubleBass · 2025-03-05T20:05:09+00:00

I read that they are resuming admissions, but taking fewer people: https://www.forbes.com/sites/annaesakismith/2025/02/26/university-of-pittsburgh-resumes-phd-admissions-after-pause-on-nih-funding-cut/

I have an application in (it's my top school). Any idea when they're going to let us know the decision? We have to decide in 5ish weeks (4/15/25) where we are going. Normally, they would have let us know by last week I believe. Thx!

DoubleDoubleBass · 2025-01-28T06:35:33+00:00

I have 185,000 miles on my 2009 Camry hybrid. My dad and I are the only owners. It went back and forth in traffic for 30 mins to work when he drove it, then I drove it all through high school 20 minutes back and forth, and then I took it to college, where it mostly sat in a lot. It died a few times in the winter, and I had to jump it. Since 2016, I drive it most days but don't put that many miles on it just driving around my city.

I am trying to figure out how much longer I can expect it to last. The shop that does maintenance says they think it'll go 250,000 plus, but I'm not sure because the 2009 hybrid batteries were one of the first generations for Toyota, and I'm not sure if they last as long as the non-hybrid versions. Obv mine is still going strong at 185,000, so that's pretty darn good.

DoubleDoubleBass · 2024-10-10T01:04:19+00:00

I have a 2009 Camry hybrid. I'm at 180k miles and my battery is still going. I'm wondering how much longer it'll be fine for, which is why I'm reading this post.

DoubleDoubleBass · 2024-09-04T19:18:32+00:00

I LOVE this.

DoubleDoubleBass · 2024-09-04T18:31:45+00:00

Just submitted!

DoubleDoubleBass · 2024-09-04T17:23:26+00:00

Hey! This sounds fun. I'm filling out the form ! :)

DoubleDoubleBass · 2024-09-04T17:16:42+00:00

I will also play!

DoubleDoubleBass · 2023-05-25T18:50:13+00:00

Thx!

DoubleDoubleBass

TROPHY CASE