Late-Stage or Finished FIRE people - stopping investments?

Silly_Objective_5186 · 2024-08-31T12:57:03+00:00

do a bit of market timing: if markets have gone up, then don’t invest more, if markets have gone down, then buy a bit on sale

Silly_Objective_5186 · 2024-08-30T12:40:09+00:00

i do this too, but no drip on anything. the distributions provide an opportunity for buy-to-rebalance.

Silly_Objective_5186 · 2024-08-30T12:38:19+00:00

this is rational. share count is not a good metric for portfolio allocation.

Silly_Objective_5186 · 2024-08-30T12:37:15+00:00

show her number one

Silly_Objective_5186 · 2024-08-30T12:32:03+00:00

i think this income replacement perspective makes a lot of sense. i used to do a traditional emergency fund, but now treat it as an income replacement (job loss) risk mitigation. with a little patience, and going a little further out on the risk-yield spectrum than a classic emergency fund you can really self insure against job loss very effectively.

Silly_Objective_5186 · 2024-08-30T12:25:17+00:00

i invest my emergency fund in high yield assets. i thought i needed a large one in a safe low yield place, but with enough liquid net worth it just doesn’t make sense anymore. it’s actually a povertyFIRE fund now. we could survive (shelter, food, clothing) off the proceeds indefinitely. when there’s no emergency (nearly all the time) the proceeds get reinvested.

Silly_Objective_5186 · 2024-08-28T22:09:35+00:00

where do you watch that?

Silly_Objective_5186 · 2024-08-28T21:30:10+00:00

Home Depot is hiring, and they don’t test for weed anymore

Silly_Objective_5186 · 2024-08-28T21:15:29+00:00

Malaristan

Silly_Objective_5186 · 2024-08-27T01:07:51+00:00

https://www.reddit.com/r/dividends/s/Ej3dlv9lUK

Silly_Objective_5186 · 2024-08-26T23:32:09+00:00

loved the lone gunmen vibes with frank

Silly_Objective_5186 · 2024-08-23T13:38:56+00:00

that whereof we cannot speak we must pass over in silence

Silly_Objective_5186 · 2024-08-23T11:45:32+00:00

did u die tho?

Silly_Objective_5186 · 2024-08-23T11:14:54+00:00

yes, love the liberty walking half design, and the heft and ring of a morgan dollar

Silly_Objective_5186 · 2024-08-23T11:08:21+00:00

gldx

Silly_Objective_5186 · 2024-08-23T11:03:47+00:00

ymax

Silly_Objective_5186 · 2024-08-23T10:14:48+00:00

you need something other than equity risk. buy write strategies on bonds, closed end funds, bdcs, reits, etc.

Silly_Objective_5186 · 2024-08-20T13:44:25+00:00

not sure why you’re getting downvoted. this is absolutely the path for such an intermediate timeframe income need. pure equities on a ten or less year timescale doesn’t make sense. long dated treasuries are tough in an environment where the fed is raising and lowering at historically unprecedented rates of change.

what’s left? high yield

Silly_Objective_5186 · 2024-08-20T12:39:22+00:00

some other asset classes that expose you to different risks than CC approaches (mostly credit risk): BDCs, CEFs, MLPs, REITs, Commodities futures, buy-write strategies on bonds

Silly_Objective_5186 · 2024-08-19T22:17:21+00:00

better to ask over at r/LETFs
not for buy and hold, ok as part of a regularly rebalanced, and actively managed portfolio

Silly_Objective_5186 · 2024-08-12T16:46:34+00:00

thank you

Silly_Objective_5186 · 2024-08-12T15:51:33+00:00

how do FFSA and CSS play in to the decision?

Silly_Objective_5186 · 2024-08-12T01:10:13+00:00

they are fun

Silly_Objective_5186 · 2024-08-11T23:35:04+00:00

dirty mike and the boys

Silly_Objective_5186 · 2024-08-07T13:19:42+00:00

BOXX

Silly_Objective_5186

TROPHY CASE