What are your plans for the next 3-5 years?

[firemane]

obviously, there are some new concerns, that came during already high valuations and lingering inflation

Note: poll is intended for the average mmm/boglehead investor, not options trading, crypto, etc. That stuff is cool, but outside this scope. Anyone is free to talk about whatever they want, but I don稚 follow that stuff much

1. Buying more than normal
2. Dollar cost averaging the normal amount
3. Selling
4. Not buying at all, nor selling

[Turtle]

I値l be selling at least a little bit by then.  Current plan is to retire in 2026 but I might push it off to 2027.  Will definitely be retired from 2027 onwards.

So I値l be dollar cost averaging in for the next 14-29 months at the very most, and some selling will happen afterwards. 

[charis]

We started buying less last year and will continue that trend in 2025 for reasons that are completely unrelated to the market or what the current president is doing.  We set our biweekly contributions in December to max our 401ks and it's now out of sight, out of mind.  I may adjust my contribution based on an upcoming raise, or I may just let it max a little early.  I don't even look at my investments with the market starts tanking.  If conditions improve, I may survey some of the damage on the way back up but, like, what's the point? 

I'm still working, and therefore not selling anytime soon, and I can't possibly predict the top or the bottom - it would be madness to even try. 

[dblaace]

I moved 10% more to bonds in Jan. and will reinvest divs into international for a while.

[BrandonP]

Buy my usual amount and stay the course (have index funds that cover Canadian, USA, and International stocks, and also a small percentage of bonds).

I don't have extra lying around right now.

In 5 years I might be able to FIRE.

[Borgo Panigale]

Keeping on, keeping on with the same amount.  I'm currently cash rich and asset poor in Fine Art, which is about 50% of my NW, excluding my primary residence
T For stocks, the only difference is I will be increasing the allocation into an SMI tracker to bring back my allocation to the original target and increase my home bias.  This will be at the expense of more direct exposure to the US as it is above target allocation.  I will still be topping up the global tracker, so it will include some US.

[pdxvandal]

keep investing my paycheck every two weeks for the next two years, which is most likely when I'll leave my permanent job no matter what the market is doing. I also am increasing my contributions to a 457b pre-tax bond fund that I'll use for my first 12-18 months of withdrawals when I quit. I don't plan to touch my aggressively invested Roth or pre-tax mutual fund accounts until early 2029.

[firemane]

Thanks for the great replies. I suspect that some may be going from basically all vtsax/similar to a 3-fund type portfolio based on some of the other threads I read

[ricelife]

built up a bit of cash that I will deploy soon and change my asset allocation a bit. Going to ease on the US exposure - not by selling, but by buying other things

[Laserjet3051]

Staying the course. Dont see any reason to change plans.

(presently halfway into a glide from 80/20 to 70/30 [stock/bond)
US:Foreign Equity = 80:20

[BicycleB]

I'm a seller because I'm retired and haven't reached the age to receive Social Security (or my small pensions).

By the end of 3 years, the pensions will have started, but they will not cover all expenses. Whether I'm a net seller or not at that point will depend on details like dividend amounts from my stock investments, and whether by then I shift some investments from stock into real estate.

Fwiw, the real estate shift would be part of a shift toward international investment instead of US-centric investment, something I am considering due to distrusting the current administration and also wondering if the end of US-centric advantages is near. Under more stable administration, I probably would not close the deal on the international real estate, and would retain the original simple plan of using stock investments to supplement the fixed retirement income.

[AuspiciousEight]

I'm still working so have no plans on changing anything at the moment. Just continued bi weekly investments.

This has convinced me to have a nice pile of cash when I retire though, because one never knows when someone will tank the global economy.

[vand]

Don't lose my job
Stay invested with current wealth
Keep investing new income
Stay sane

[BrandonP]

I'm still working so have no plans on changing anything at the moment. Just continued bi weekly investments.

This has convinced me to have a nice pile of cash when I retire though, because one never knows when someone will tank the global economy.

Yeah, that has entered my thoughts more as well.

Doesn't JL Collins suggest 5% cash? So a $1m portfolio would include $50,000 cash.

[firemane]

I'm still working so have no plans on changing anything at the moment. Just continued bi weekly investments.

This has convinced me to have a nice pile of cash when I retire though, because one never knows when someone will tank the global economy.

I agree with the cash. Even bonds are at risk of to whims.

He痴 having a bad morning, fries were cold, so he extorts the fed into changing rates

[crabby.van.man]

Currently I have my money in three separate piles/buckets.  Since I have already FIRE'd, I won't be adding much additional to those.

Pile 1 to get me from 55yrs to 60yrs - 25% of my overall savings at a 55/45 allocation in a brokerage acct. Letting this ride.
Pile 2 to get me from 60-70ish - 60% of overall savings at 70/30 in a tIRA - Will diversify this a little more towards international from domestic and overall savings percentage will slowly decrease over time as I perform Roth conversions.
Pile 3 for the remainder - 15% of overall savings at 75/25 in Roths and supplemented with SS when at 68+.  Overall savings percentage should increase with Roth conversions and also slowly become more risk adverse over time.

Just about all of the above has been my main plan since FIRE'ing last March but will make the change to diversify more from domestics to international.

[wonkette]

Don't lose my job
Stay invested with current wealth
Keep investing new income
Stay sane

I wonder if my boss would mind if I put this on a sticky on my monitor. My target is 2030 so at the end of OP's window. I can't control much but I won't hit my number sitting on the sidelines.

[duck-duck]

I'm 6-8 years from FI. Currently 90:10 stocks:cash. Equities are all broad based mutual funds, VTSAX or similar. Cash because we were considering moving to a HCOL area, that is now off the table for personal reasons.

My plan is to start adding bonds into pre-tax account and an international fund into my post-tax account, both with further contributions, no reallocation. This is likely influenced by recent volatility, but also timeframe to FI and numerous articles and podcasts.

[Wintergreen78]

I知 planning to retire (for good this time!) in the next year or two. I had bumped up my bond allocations over the last few years. I知 still maximizing my 401k, but my mortgage is at 7% so anything excess in the last 6 months has gone toward paying off my mortgage.

I値l keep doing that, with the goal of paying off my mortgage before retirement.

I知 not changing my allocations any further based on the latest craziness.