Bill M
Self Funded Retiree
- Joined
- 4 January 2008
- Posts
- 2,132
- Reactions
- 740
The biggest risk for us retired older people is return of capital, not return on capital. I just reckon that as the share markets being at all time highs it's just going to have to crash at some stage. Probably still going run for a while but we can't risk a massive fall. Even though my prediction is a bit on the high side I am definitely not all in. I can't afford to lose half my money in a stock market crash, so for me return of capital is more important than return on capital. However, if/when that crash comes I'll be straight back in there. Eating a bit of my capital is currently a better option than risking a market crash. If I was working and younger I might be thinking differently. I like your comments, thanks.with low interest rates for the next couple of years ( money in the bank is useless) hence we will see growth in commodities /stock and real estate (residential properties) until we reach the top of the clock which will be represented with energy stocks booming ,then we will see a decline , unfortunately know one knows when,
I totally agree with your statement and yes no one wants to risk there hard working capital , l trade daily with 10% of my portfolio on small caps and about 50% of my capital in long term stock, most of my stock selections are with high dividend yields like TWE, AGL, ORG, WBC, BOQ, TLS, RRL,FMG, so if the market does decline im still getting a return , (unless it becomes Covid #2) , I guess no one can predict the future , tho we can all have fun speculating ?The biggest risk for us retired older people is return of capital, not return on capital. I just reckon that as the share markets being at all time highs it's just going to have to crash at some stage. Probably still going run for a while but we can't risk a massive fall. Even though my prediction is a bit on the high side I am definitely not all in. I can't afford to lose half my money in a stock market crash, so for me return of capital is more important than return on capital. However, if/when that crash comes I'll be straight back in there. Eating a bit of my capital is currently a better option than risking a market crash. If I was working and younger I might be thinking differently. I like your comments, thanks.
5723 Coober Pedy postcode living underground
7344 - disruptor in chief gone, so possibly back to less volatility
8000.
With low interest rates apparently here to stay for the next few years, where else do you invest your hard earned?
7150
Gains continuing after a pull back in the first half.
The biggest risk for us retired older people is return of capital, not return on capital. I just reckon that as the share markets being at all time highs it's just going to have to crash at some stage. Probably still going run for a while but we can't risk a massive fall. Even though my prediction is a bit on the high side I am definitely not all in. I can't afford to lose half my money in a stock market crash, so for me return of capital is more important than return on capital. However, if/when that crash comes I'll be straight back in there. Eating a bit of my capital is currently a better option than risking a market crash. If I was working and younger I might be thinking differently. I like your comments, thanks.
8450, it’s taken years to get back to where we are now, I believe we will be in a bull market that will last some years.
I'm thinking We will finish the year largely flat, just under 7,000.
Maybe housing can be propped up some more and we can see some negative rates?
People I know are tightening belts, even as we get back to normal I don't think consumer spending will return; fear of the unknown is still lurking.
So thus far,shaka......................7650
PZ99.......................7800
rcm617..................8000
Hmm... I've got that CD, might have to play it.
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