with some stocks at all time lows and others at yearly lows..

I can't understand why anyone wouldn't be going in huge in equities right now.

at least for future contributions over the next year.

I am literally spending every dollar I can in buying equities at yearly lows right now. (for my personal Fidelity Brokerage)

my corporate 401Ks (I have had several employers) have several target date funds from 2025 through 2045 and obviously those are the largest portfolios I have made up majority mutual funds.

SoupNazi2001 said:

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Went to 100% cash at the end of last year. Began buying on a scale with S&P off 17%. Will make another buy at around 3780 on S&P. Did the same thing during Covid buying on every 5% drop in the S&P. I think we will at least end up in the low 3000 range on the S&P when this is all said and done.

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I am liking this strategy more as I mull over what to do with my current all cash position for my rollover IRA. What percentage of your cash are you putting in at each dip?

SoupNazi2001 said:

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XXXVII said:

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SoupNazi2001 said:

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Went to 100% cash at the end of last year. Began buying on a scale with S&P off 17%. Will make another buy at around 3780 on S&P. Did the same thing during Covid buying on every 5% drop in the S&P. I think we will at least end up in the low 3000 range on the S&P when this is all said and done.

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I am liking this strategy more as I mull over what to do with my current all cash position for my rollover IRA. What percentage of your cash are you putting in at each dip?

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Divided cash by 8 and will buy every 5% decline in the S&P. Average bear market decline is 30% which would put half the cash to work or a 50% decline like 2000 and 2008 would put all the cash to work. Will reevaluate if conditions change. Did something similar during Covid.

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Thanks, so what SPX level is your starting point? 4800? We are already 20% off that point.

The guy on the left is a friend of mine. He also is handling my rollover 401K & my wife's small inheritance she recently received.

I started the mailbox money/dividend thought process a long time ago, so it was a pretty easy conversion to him since we were on the same page.

It seems a lot of the conversation here is about timing, growth, etc. & not much on the value of dividends. Maybe I'm wrong, but the discussion beginning about the 21 minute mark might make some here do some thinking.

For Vanguard's target retirement date funds, why can I only see the price of those being updated at the close of each business day? Is it only possible to buy those at each market closing price for the day, or is there real time data on those?

XXXVII said:

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For Vanguard's target retirement date funds, why can I only see the price of those being updated at the close of each business day? Is it only possible to buy those at each market closing price for the day, or is there real time data on those?

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All of the Vanguard mutual funds only have closing price I'm pretty sure. Any purchase or sale is done at end of business that day, the mutual fund shares don't have active trading during the day.

aggiebq03+ said:

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XXXVII said:

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For Vanguard's target retirement date funds, why can I only see the price of those being updated at the close of each business day? Is it only possible to buy those at each market closing price for the day, or is there real time data on those?

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All of the Vanguard mutual funds only have closing price I'm pretty sure. Any purchase or sale is done at end of business that day, the mutual fund shares don't have active trading during the day.

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Ok, so let's say it hits a price I like at the end of a certain day. If I initiate the purchase at like 7 pm that day, do I lock in the price at that time, or do I get whatever price exists at the end of the next business day?

Don't know the answer fully, but I bet you can find all timing info in the fine print of the target date fund.

RebAg13 said:

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aggiebq03+ said:

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XXXVII said:

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For Vanguard's target retirement date funds, why can I only see the price of those being updated at the close of each business day? Is it only possible to buy those at each market closing price for the day, or is there real time data on those?

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All of the Vanguard mutual funds only have closing price I'm pretty sure. Any purchase or sale is done at end of business that day, the mutual fund shares don't have active trading during the day.

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All mutual funds trade at the close.

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I typically hesitate to use all, always, never type of words here without hedging a bit. Some smart (and smartass) people post here, and someone almost always knows an exception.

Fidelity and Charles Schwab funds are also at the close.

Btd

I'm still toiling over what to do with my rollover situation. I initiated the rollover on 5/10/2022 when the target date fund I'm interested in investing in had a price of $23.86. Between the time the check was sent to me and now, the fund increased in price to $24.99. I feel like I should have gone in last week when the price was at $23.90 which was closer to my rollover point.

If I go in now, I'll have for sure missed out on about 5% gains, but I cannot stand waiting longer for the market to potentially drop again. Am I overthinking this? Should I just go back into the market now and stop thinking? I'm probably 27 years from retirement.

I've essentially been out of the market for 3 weeks with this rollover IRA. Somebody please talk me off the ledge, lol.

27 years no brainer don't overthink it, just dump it in.
Or, DCA if that sits better in your stomach.

XXXVII said:

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I'm still toiling over what to do with my rollover situation. I initiated the rollover on 5/10/2022 when the target date fund I'm interested in investing in had a price of $23.86. Between the time the check was sent to me and now, the fund increased in price to $24.99. I feel like I should have gone in last week when the price was at $23.90 which was closer to my rollover point.

If I go in now, I'll have for sure missed out on about 5% gains, but I cannot stand waiting longer for the market to potentially drop again. Am I overthinking this? Should I just go back into the market now and stop thinking? I'm probably 27 years from retirement.

I've essentially been out of the market for 3 weeks with this rollover IRA. Somebody please talk me off the ledge, lol.

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When I rolled over I did it in tranches to hedge.

Join us back in this market. We all float down here.

Thanks for the replies. DCA would sit better with me if I knew for certain the market would be dropping later this year.

XXXVII said:

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Thanks for the replies. DCA would sit better with me if I knew for certain the market would be dropping later this year.

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You're never know that. Find your level of risk vs reward and invest appropriately.

For sure. Let's assume I want to just put all/some of it in VTI right now. If I buy it now over the weekend, do I get Friday's closing price, or would there already be price action from people who bought during extended hours?

Is it better to buy on Tuesday morning?

YouBet said:

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XXXVII said:

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For sure. Let's assume I want to just put all/some of it in VTI right now. If I buy it now over the weekend, do I get Friday's closing price, or would there already be price action from people who bought during extended hours?

Is it better to buy on Tuesday morning?

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That last two pages by you is called analysis paralysis. Just making you aware.

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Yes, I have a problem. Just trying to understand more about the mechanics of the market with my last question.

How is this even a question?

You guys are forgetting dividend growth and the idea that this is long term money. Put it in and forget about it.

$30,000 Millionaire said:

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How is this even a question?

You guys are forgetting dividend growth and the idea that this is long term money. Put it in and forget about it.

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Yeah, the dividends are what my gut was telling me is the reason I should go fully back in now.

I just have a side question related to buying on the weekend. I can see that VTI for example has a market price of $208.07. Next to this I am getting an ask price of $208.85 which seems to be the effective price I can get right now. What is the reason for this? Is the extra $0.78 per share the commission that Vanguard gets?

XXXVII said:

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$30,000 Millionaire said:

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How is this even a question?

You guys are forgetting dividend growth and the idea that this is long term money. Put it in and forget about it.

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Yeah, the dividends are what my gut was telling me is the reason I should go fully back in now.

I just have a side question related to buying on the weekend. I can see that VTI for example has a market price of $208.07. Next to this I am getting an ask price of $208.85 which seems to be the effective price I can get right now. What is the reason for this? Is the extra $0.78 per share the commission that Vanguard gets?

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If Vanguard is anything like Fidelity (and it is) they don't charge you commission for buying their funds...if on Vanguard.

What platform are you on?

Vanguard. So why is it effectively giving me a price of $208.85 when Friday's closing price was $208.07?

XXXVII said:

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Vanguard. So why is it effectively giving me a price of $208.85 when Friday's closing price was $208.07?

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This is called the bid / ask spread and you must remember that stocks trade after hours.

XXXVII said:

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Vanguard. So why is it effectively giving me a price of $208.85 when Friday's closing price was $208.07?

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Well, that's how mutual funds work unfortunately. You are buying directly from the fund and they may not calculate the actual price until sometime after the day's close because of the complexity of it containing numerous stocks within it. So, even though it closed at 208.07 Vanguard adjusted it to 208.85 sometime after it closed, I presume.

Ok, so if I place the order now, can the $208.85 price still change before the order is executed on Tuesday, or do I lock in the $208.85 price?

XXXVII said:

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Ok, so if I place the order now, can the $208.85 price still change before the order is executed on Tuesday, or do I lock in the $208.85 price?

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Could potentially change further. Buying mutual funds is like a box of chocolates. You never know what you're gonna get.

What happens if the value of X number of shares goes above the balance of my settlement fund? Does the order get canceled, or do they just buy as much as possible?

XXXVII said:

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What happens if the value of X number of shares goes above the balance of my settlement fund? Does the order get canceled, or do they just buy as much as possible?

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I'm not completely sure because I almost always buy my stuff when market is open based on cash available.

I do not mess around with after hours limit orders and such because it gives me tired head navigating the different limit definitions which never seem to execute as intended when I attempt them.

Good point. I'll just wait until Tuesday. No more analysis paralysis here!