How are the "100% Stocks" people doing?

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Topic Author
RPW25
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Joined: Wed Nov 30, 2016 11:10 am

How are the "100% Stocks" people doing?

Post by RPW25 » Wed Apr 22, 2020 2:59 pm

So there is always alot of discussion here about AA and being able to weather the storm.

How have the people who were 100% stocks doing?

Anybody doubling down?

Anybody jumping ship?

spottedchococow
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Joined: Thu Mar 19, 2020 9:15 pm

Re: How are the "100% Stocks" people doing?

Post by spottedchococow » Wed Apr 22, 2020 3:06 pm

Besides my house down payment, I'm still 100% stocks and bought more when stocks dropped. I have about 20 more years to go until retirement.

nix4me
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Re: How are the "100% Stocks" people doing?

Post by nix4me » Wed Apr 22, 2020 3:09 pm

I’m at 97% stocks and 3% cash. Doing just fine, never flinched and kept my automated buying without changing anything.

DaftInvestor
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Re: How are the "100% Stocks" people doing?

Post by DaftInvestor » Wed Apr 22, 2020 3:10 pm

spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?

plog
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Re: How are the "100% Stocks" people doing?

Post by plog » Wed Apr 22, 2020 3:11 pm

How have the people who were 100% stocks doing?
--Fine, I guess. Haven't really checked. Assume its down, but who cares?

Anybody doubling down?
--Can't. My AA is 100%, where's the money to come from? Still dumping paycheck money into the market though.

Anybody jumping ship?
--nope.

deltaneutral83
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Re: How are the "100% Stocks" people doing?

Post by deltaneutral83 » Wed Apr 22, 2020 3:13 pm

RPW25 wrote:
Wed Apr 22, 2020 2:59 pm
So there is always alot of discussion here about AA and being able to weather the storm.

How have the people who were 100% stocks doing?

Anybody doubling down?

Anybody jumping ship?
I would imagine the level of debt determines the real queezy feeling in the stomach. I never figured out the holders of bonds and mortgages simultaneously.

Iridium
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Re: How are the "100% Stocks" people doing?

Post by Iridium » Wed Apr 22, 2020 3:13 pm

RPW25 wrote:
Wed Apr 22, 2020 2:59 pm
So there is always alot of discussion here about AA and being able to weather the storm.

How have the people who were 100% stocks doing?

Anybody doubling down?

Anybody jumping ship?
Can't double down if one is already at 100%. Unless one uses leverage, but that is a bit much.

I'm allowing my emergency fund to grow a bit by holding off on some of my taxable contributions (401k still at same rate and IRA was filled before this mess happened). Otherwise, staying the course and feeling fine.

Raryn
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Re: How are the "100% Stocks" people doing?

Post by Raryn » Wed Apr 22, 2020 3:15 pm

I was 100% stocks in all my accounts, though a couple of my wife's accounts have a bond component. Our overall AA might be something like 95/5, though I haven't bothered actually calculating it.

For our tax advantaged accounts - no changes. We maxed our Roth IRAs for the year on Jan 2 and the 401k/403b contributions (100% stock for both of us) remain on autopilot.

As the market went down, we had a healthy emergency fund, and I actually put more money in on 02/27 after the initial drop. I put some more in 03/09. Brought us down from maybe 6-7 months of expenses to 2-3.

As the market continued to drop, I did some TLH 03/13.

Then my own job had some instability - so I decided to let our EF drift back up and stopped adding extra money to taxable.

At this point, our EF is back up to the levels where we initially started. We've regained near-half of what we lost in that taxable account.

Our overall net worth is approximately the same as where it was last October (back of the envelope estimate) because new contributions have equaled a large portion of the losses (plus the market has obviously gone back up significantly over the last month).

I'm probably 20 years from retirement and am not adjusting the overall AA at all. In fact, now that my EF is "full" again, I'm thinking of starting adding new taxable contributions (still 100% stock) in the next few weeks.

Topic Author
RPW25
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Re: How are the "100% Stocks" people doing?

Post by RPW25 » Wed Apr 22, 2020 3:18 pm

Iridium wrote:
Wed Apr 22, 2020 3:13 pm
Can't double down if one is already at 100%. Unless one uses leverage, but that is a bit much.
Valid point! So that brings up another question... How do you catagorize your emergency fund in or AA?

I tend to not count mine.

I did have a windfall recently and I did go all in with it. I did not use any DCA.

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UpsetRaptor
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Re: How are the "100% Stocks" people doing?

Post by UpsetRaptor » Wed Apr 22, 2020 3:21 pm

I joined the boat recently. Held some bonds awaiting how I'd feel/react during my first scary downturn, and it turned out my stomach felt nothing other than a desire for dry powder. I'm actually >100:0 now. We're young, dual stable incomes (one of which is a tenured government position), good savings rate, and a pension in the future, which all of course help provide the opportunity to take more risk.

Ironically, while the downturn convinced me to go >100:0 at present time, it also convinced me of the necessity to take significant risk off the table in a decade or two when retirement starts to approach.

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gr7070
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Re: How are the "100% Stocks" people doing?

Post by gr7070 » Wed Apr 22, 2020 3:26 pm

If the posts on Boglehead's Forum about concern for bonds, concern for balanced AAs, concern for *five* year EFs, and the million other things that Boglehead's are freaking out over is any indication I suspect the 100:0 AA folks are doing no worse than the rest of the Bogleheads are doing.

As a group I'd suggest we could be doing better with following our own advice.

FWIW I'm 75:25 and rebalanced recently.
Last edited by gr7070 on Wed Apr 22, 2020 3:29 pm, edited 1 time in total.

McGilicutty
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Re: How are the "100% Stocks" people doing?

Post by McGilicutty » Wed Apr 22, 2020 3:26 pm

I moved 1.5% of my port to Vanguard Total Bond ETF (BND) and another 4% to cash yesterday. The cash I'm anticipating using to buy some individual tech stocks at some point. I have another 1% of my port in an emergency fund.

The rest of my port is in S&P 500 and Total U.S. stock market etfs/index funds. I'm about 7 years from early retirement in my mid-50s if everything goes as planned.

It's not the big drops that scare me. It's the thought that we might turn into Japan and just have years and years of a downward stock market.

Additionally, I don't have anything against bonds. It's just that with yield on the Total Bond fund around 2.5% it's just too low for me to put much money into it. If yields were above 4%, I would probably put more into bonds.

Ztx
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Re: How are the "100% Stocks" people doing?

Post by Ztx » Wed Apr 22, 2020 3:29 pm

Iridium wrote:
Wed Apr 22, 2020 3:13 pm
RPW25 wrote:
Wed Apr 22, 2020 2:59 pm
So there is always alot of discussion here about AA and being able to weather the storm.

How have the people who were 100% stocks doing?

Anybody doubling down?

Anybody jumping ship?
Can't double down if one is already at 100%. Unless one uses leverage, but that is a bit much.
This. Can't double down but continuing regular paycheck contribution as long as I'll have the paycheck.
Last edited by Ztx on Wed Apr 22, 2020 3:32 pm, edited 1 time in total.

Robert20
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Re: How are the "100% Stocks" people doing?

Post by Robert20 » Wed Apr 22, 2020 3:30 pm

McGilicutty wrote:
Wed Apr 22, 2020 3:26 pm
Additionally, I don't have anything against bonds. It's just that with yield on the Total Bond fund around 2.5% it's just too low for me to put much money into it. If yields were above 4%, I would probably put more into bonds.
Even VTI has < 2% yield..

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comcool
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Re: How are the "100% Stocks" people doing?

Post by comcool » Wed Apr 22, 2020 3:32 pm

No changes. We're down, but also we have 30+ years to retirement. My wife and I have both had our pay reduced which is a bummer, but should still be able to max out retirement accounts barring any additional pay cuts.

Note that I'm not counting the cash in our emergency fund as part of our allocation though, so not 100% stocks if you count that.
“Son, if you really want something in this life, you have to work for it. Now quiet! They're about to announce the lottery numbers.” Homer Simpson

minimalistmarc
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Re: How are the "100% Stocks" people doing?

Post by minimalistmarc » Wed Apr 22, 2020 3:32 pm

I was naughty and liquidated my emergency fund to buy more equities. Now I’m legit 100% equities , and only have a couple of thousand in cash.

dboeger1
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Re: How are the "100% Stocks" people doing?

Post by dboeger1 » Wed Apr 22, 2020 3:32 pm

100% VTWAX before and after, and doing quite alright. The biggest lesson I got out of all of this was not to treat my emergency fund like dry powder for timing the market. I didn't use it all, but I overbought just a little when the market was down about 7%-10% (what a buying opportunity, right?!), and then got surprised by a big tax bill that I couldn't cover without temporary help from family. I've since recovered and the circumstances were a bit unusual, but yeah, emergency funds are there for a reason, and market timing isn't easy to get right. As far as asset allocation, I have no plans on changing that because I am coming up on 29 years old in June, so I have a very long time horizon. What I may do, though, is start setting aside more cash for our first home purchase. I don't consider a primary residence an investment though, and have little interest in or understanding of real estate investing, so I'll stay 100% equities for the foreseeable future.

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marti038
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Re: How are the "100% Stocks" people doing?

Post by marti038 » Wed Apr 22, 2020 3:34 pm

Still at 100% stocks. I was up about 2% on the year when I checked over the weekend. Maybe right at zero now. I own a good bit of Amazon and Microsoft which has certainly helped.

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Noobvestor
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Re: How are the "100% Stocks" people doing?

Post by Noobvestor » Wed Apr 22, 2020 3:36 pm

DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
"In the absence of clarity, diversification is the only logical strategy" -= Larry Swedroe

rockthisworld
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Re: How are the "100% Stocks" people doing?

Post by rockthisworld » Wed Apr 22, 2020 3:39 pm

100% VTSAX

Just hoping it will grow over time and be enough in 40 years when I do retire. I know long term stocks have had the best return and I’m crazy to not play the long game but short term it can be very volatile.

vipertom1970
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Re: How are the "100% Stocks" people doing?

Post by vipertom1970 » Wed Apr 22, 2020 3:48 pm

I have 50x yearly expenses in equities, 2x in saving and I did not jump ship in 2000 or 2009 or 2020.

runner3081
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Re: How are the "100% Stocks" people doing?

Post by runner3081 » Wed Apr 22, 2020 3:52 pm

Great... continuing to buy.

Seal the Deal
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Re: How are the "100% Stocks" people doing?

Post by Seal the Deal » Wed Apr 22, 2020 3:56 pm

Just fine. 100% VTWAX in Roths and that is emulated in my TSP. I won't change anything even if stocks drop 50%. Why? Job security, large EF, eventual pension and SS, 15-20 years to retirement. I've been through a few crashes before so that helps.

orhkaf
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Re: How are the "100% Stocks" people doing?

Post by orhkaf » Wed Apr 22, 2020 3:56 pm

Been buying on the way up, down, sideways each time I get paid. Nothing new to see at this point the numbers on the screen don’t mean much to me since I don’t rely on them for cash flow. Thirty years from now might be a different story however.

Chrono Triggered
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Re: How are the "100% Stocks" people doing?

Post by Chrono Triggered » Wed Apr 22, 2020 4:05 pm

100% stocks and feelin' fine. Half my equities are small cap too.

Topic Author
RPW25
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Re: How are the "100% Stocks" people doing?

Post by RPW25 » Wed Apr 22, 2020 4:06 pm

Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
Yeah, I think this is probably true. If I counted my emergency fund I would be 95/5 stock/cash.

Hopefully the AA police dont come after me for that...

petulant
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Re: How are the "100% Stocks" people doing?

Post by petulant » Wed Apr 22, 2020 4:09 pm

100% stock in investment portfolio in retirement accounts. Retirement is 30 years away, so I'm not worried at all. Regular paycheck contributions still go to stock purchases. This is completely fine because we have adequate cash for near-term needs and emergencies.

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Noobvestor
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Re: How are the "100% Stocks" people doing?

Post by Noobvestor » Wed Apr 22, 2020 4:22 pm

RPW25 wrote:
Wed Apr 22, 2020 4:06 pm
Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
Yeah, I think this is probably true. If I counted my emergency fund I would be 95/5 stock/cash.

Hopefully the AA police dont come after me for that...
I wasn't referring to emergency funds, which, by definition are supposed to be saved for an emergency. I'm referring to a lot of posts like the one I quoted, in which someone who is "100% stocks" somehow has investable money that isn't actually invested in their planned allocation.
"In the absence of clarity, diversification is the only logical strategy" -= Larry Swedroe

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1789
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Re: How are the "100% Stocks" people doing?

Post by 1789 » Wed Apr 22, 2020 4:28 pm

36 years old. 25-30 years away from retirement if i don't die early. 100% stocks in all accounts invested in SP500/US TSM. Nothing to regret and all going well. Just kept buying more than usual in the drop.
"My conscience wants vegetarianism to win over the world. And my subconscious is yearning for a piece of juicy meat. But what do i want?" (Andrei Tarkovsky)

BW1985
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Re: How are the "100% Stocks" people doing?

Post by BW1985 » Wed Apr 22, 2020 4:29 pm

Noobvestor wrote:
Wed Apr 22, 2020 4:22 pm
RPW25 wrote:
Wed Apr 22, 2020 4:06 pm
Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
Yeah, I think this is probably true. If I counted my emergency fund I would be 95/5 stock/cash.

Hopefully the AA police dont come after me for that...
I wasn't referring to emergency funds, which, by definition are supposed to be saved for an emergency. I'm referring to a lot of posts like the one I quoted, in which someone who is "100% stocks" somehow has investable money that isn't actually invested in their planned allocation.
That's a gray area though, people have various size EF's. Investor A may have 2-4 months expenses in their EF. Investor B may have 2-4 years in their EF. Maybe the market drops enough to where Investor B decides to use a few years of that EF and invest it instead. So is that still EF? I'm of the opinion that everything should just roll up under your AA instead of trying to separate it out, money is fungible.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?

Topic Author
RPW25
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Re: How are the "100% Stocks" people doing?

Post by RPW25 » Wed Apr 22, 2020 4:36 pm

BW1985 wrote:
Wed Apr 22, 2020 4:29 pm
Noobvestor wrote:
Wed Apr 22, 2020 4:22 pm
RPW25 wrote:
Wed Apr 22, 2020 4:06 pm
Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm


:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
Yeah, I think this is probably true. If I counted my emergency fund I would be 95/5 stock/cash.

Hopefully the AA police dont come after me for that...
I wasn't referring to emergency funds, which, by definition are supposed to be saved for an emergency. I'm referring to a lot of posts like the one I quoted, in which someone who is "100% stocks" somehow has investable money that isn't actually invested in their planned allocation.
That's a gray area though, people have various size EF's. Investor A may have 2-4 months expenses in their EF. Investor B may have 2-4 years in their EF. Maybe the market drops enough to where Investor B decides to use a few years of that EF and invest it instead. So is that still EF? I'm of the opinion that everything should just roll up under your AA instead of trying to separate it out, money is fungible.
Kinda my thought. Lets say you're a 35 yr old production foreman for 3M and have a 1 year EF. Probably an ok time to drop to a 6 month EF and invest the rest.

BW1985
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Re: How are the "100% Stocks" people doing?

Post by BW1985 » Wed Apr 22, 2020 4:41 pm

RPW25 wrote:
Wed Apr 22, 2020 4:36 pm
BW1985 wrote:
Wed Apr 22, 2020 4:29 pm
Noobvestor wrote:
Wed Apr 22, 2020 4:22 pm
RPW25 wrote:
Wed Apr 22, 2020 4:06 pm
Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm


I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
Yeah, I think this is probably true. If I counted my emergency fund I would be 95/5 stock/cash.

Hopefully the AA police dont come after me for that...
I wasn't referring to emergency funds, which, by definition are supposed to be saved for an emergency. I'm referring to a lot of posts like the one I quoted, in which someone who is "100% stocks" somehow has investable money that isn't actually invested in their planned allocation.
That's a gray area though, people have various size EF's. Investor A may have 2-4 months expenses in their EF. Investor B may have 2-4 years in their EF. Maybe the market drops enough to where Investor B decides to use a few years of that EF and invest it instead. So is that still EF? I'm of the opinion that everything should just roll up under your AA instead of trying to separate it out, money is fungible.
Kinda my thought. Lets say you're a 35 yr old production foreman for 3M and have a 1 year EF. Probably an ok time to drop to a 6 month EF and invest the rest.
I'm 90/10 stocks & cash. The 10% is multiple years EF.

I don't say I'm 100% stocks though cause I'm not.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?

vipertom1970
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Re: How are the "100% Stocks" people doing?

Post by vipertom1970 » Wed Apr 22, 2020 4:44 pm

BW1985 wrote:
Wed Apr 22, 2020 4:41 pm



I'm 90/10 stocks & cash. The 10% is multiple years EF.

I don't say I'm 100% stocks though cause I'm not.
no one is really 100% stock then because they have checking ?

Triple digit golfer
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Re: How are the "100% Stocks" people doing?

Post by Triple digit golfer » Wed Apr 22, 2020 4:47 pm

Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
I am 100% stocks with 76% of my portfolio.

Another 21% I am 100% bonds and 3% I am 100% cash.

Sounds ridiculous but I believe that many of the "100% equity" investors really aren't 100% equities.

Topic Author
RPW25
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Re: How are the "100% Stocks" people doing?

Post by RPW25 » Wed Apr 22, 2020 4:55 pm

vipertom1970 wrote:
Wed Apr 22, 2020 4:44 pm
BW1985 wrote:
Wed Apr 22, 2020 4:41 pm



I'm 90/10 stocks & cash. The 10% is multiple years EF.

I don't say I'm 100% stocks though cause I'm not.
no one is really 100% stock then because they have checking ?
I beleive this is the position of the Asset Allocation Internet Enforcement Bureau.

badapu
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Re: How are the "100% Stocks" people doing?

Post by badapu » Wed Apr 22, 2020 5:46 pm

Im doing fine and scrounging all the cash I can find to throw in.
My parents are not.
Basically stealing from my parents whose portfolio is falling and their human capital is exhausted.
It really is a zero sum game.

_Soundwave_
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Re: How are the "100% Stocks" people doing?

Post by _Soundwave_ » Wed Apr 22, 2020 6:47 pm

All equities save my emergency fund.

VIIIX/SWTSX.

I’m looking into going 90/10 in the future with LTT or ITT. No decision there yet, and frankly I’m perfectly comfortable where I am.

BW1985
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Re: How are the "100% Stocks" people doing?

Post by BW1985 » Wed Apr 22, 2020 7:09 pm

vipertom1970 wrote:
Wed Apr 22, 2020 4:44 pm
BW1985 wrote:
Wed Apr 22, 2020 4:41 pm



I'm 90/10 stocks & cash. The 10% is multiple years EF.

I don't say I'm 100% stocks though cause I'm not.
no one is really 100% stock then because they have checking ?
If you're like 99.5% stocks and 0.5% in a checking account then yeah 100% is close enough. On the other hand, if you're sitting on $100k in checking then you're probably not 100% stocks no.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?

BW1985
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Re: How are the "100% Stocks" people doing?

Post by BW1985 » Wed Apr 22, 2020 7:11 pm

Triple digit golfer wrote:
Wed Apr 22, 2020 4:47 pm
Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
I am 100% stocks with 76% of my portfolio.

Another 21% I am 100% bonds and 3% I am 100% cash.

Sounds ridiculous but I believe that many of the "100% equity" investors really aren't 100% equities.
Yeah, that sounds ridiculous. I think people like to claim they're 100% stocks, or believe they're 100% stocks, when they're actually not.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?

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JoMoney
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Re: How are the "100% Stocks" people doing?

Post by JoMoney » Wed Apr 22, 2020 8:10 pm

I've continued making regular contributions... haven't missed a beat.
I do have some cash/savings bonds, so not 100% stock, but fortunately I haven't needed to even dip into that. If I needed to start withdrawing I doubt my portfolio would change.
We're barely a few weeks into this downturn, and we've already seen some of the losses come back... so it seems a bit premature to be asking how people feel about it.
Ask again in a couple years, if people are still worrying about the market situation that started in early 2020... then we'll have something to talk about.
"To achieve satisfactory investment results is easier than most people realize; to achieve superior results is harder than it looks." - Benjamin Graham

LaborDoc
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Re: How are the "100% Stocks" people doing?

Post by LaborDoc » Wed Apr 22, 2020 8:29 pm

Doing fine

jb1
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Re: How are the "100% Stocks" people doing?

Post by jb1 » Wed Apr 22, 2020 8:47 pm

DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I’m 100% stocks too not including my savings..

DaftInvestor
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Re: How are the "100% Stocks" people doing?

Post by DaftInvestor » Wed Apr 22, 2020 8:53 pm

jb1 wrote:
Wed Apr 22, 2020 8:47 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I’m 100% stocks too not including my savings..
Oh - I can play too:
"And I am 100% stocks too not including my bonds..."
:)

Tamalak
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Re: How are the "100% Stocks" people doing?

Post by Tamalak » Wed Apr 22, 2020 9:10 pm

I've had my life savings invested in stocks for 5 years.. and at a certain point in this crisis I had lost every penny of gains :oops:

My gains are STILL no better than very safe bonds at this point. Pretty frustrating. Thing is, I can't think of anything else I'd have realistically done with my money that would have ended up better. There's just been no non-silly way to make money in the last 5 years.

_Soundwave_
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Joined: Sun Mar 22, 2020 8:00 pm

Re: How are the "100% Stocks" people doing?

Post by _Soundwave_ » Wed Apr 22, 2020 9:13 pm

BW1985 wrote:
Wed Apr 22, 2020 7:11 pm
Triple digit golfer wrote:
Wed Apr 22, 2020 4:47 pm
Noobvestor wrote:
Wed Apr 22, 2020 3:36 pm
DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
I often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the time :!:
I am 100% stocks with 76% of my portfolio.

Another 21% I am 100% bonds and 3% I am 100% cash.

Sounds ridiculous but I believe that many of the "100% equity" investors really aren't 100% equities.
Yeah, that sounds ridiculous. I think people like to claim they're 100% stocks, or believe they're 100% stocks, when they're actually not.
These types of posts sound pretty pedantic to me... especially over something as simple as how one describes their cash allocation.

Whether you are 97% equities and 3% cash or 100% equities less the EF, does it really matter? Most folks aren’t rebalancing with their EF so it’s effectively the same thing.

Sheesh.

Catrin
Posts: 2
Joined: Mon Mar 09, 2020 11:43 pm

Re: How are the "100% Stocks" people doing?

Post by Catrin » Wed Apr 22, 2020 9:14 pm

Doing great here:

Aside from 15K in I Bonds (emergency fund) and 5K in cash, my taxable, roth and 401k accounts are 100% stocks. I keep contributing to roth and 401k accounts with every pay check. Any extra cash goes to taxable account.

:sharebeer :sharebeer

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TechGuy365
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Re: How are the "100% Stocks" people doing?

Post by TechGuy365 » Wed Apr 22, 2020 9:35 pm

Doing great!! 100% stock in all taxable and retirement accounts, with a few stocks taking up 25-50% of overall holding. Solid positive cash flow so I keep < 0.5% in my checking account.

MotoTrojan
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Re: How are the "100% Stocks" people doing?

Post by MotoTrojan » Wed Apr 22, 2020 9:58 pm

Chrono Triggered wrote:
Wed Apr 22, 2020 4:05 pm
100% stocks and feelin' fine. Half my equities are small cap too.
Likewise, although more than half are ex-US small-caps (value) and have held up better than my US ones.

Haldier
Posts: 7
Joined: Fri Apr 17, 2020 9:33 am

Re: How are the "100% Stocks" people doing?

Post by Haldier » Wed Apr 22, 2020 10:37 pm

We are doing pretty good. I'm only in mid 20's so our accounts are still relatively small and we have a long time to go before retirement. Continuing to invest in the 401k biweekly and Roth IRA monthly.

We do have 8 months worth of expenses in cash in the bank, but I don't consider that part of our asset allocation since it is not for retirement. Part of that is house savings and the rest is just general use.

ineedahomegym
Posts: 4
Joined: Wed Apr 22, 2020 10:45 pm

Re: How are the "100% Stocks" people doing?

Post by ineedahomegym » Wed Apr 22, 2020 10:59 pm

I had essentially been 100% stocks and doing just fine.... sold some here and there for tax purposes in my taxable accounts. I have concerns at all about whats in retirement accounts since I know that I cannot touch it...

However, I've always pretty much been 20% cash, 80% investments so while 100% of my investments, have been stocks the rest have been cash.

My main regret is not having an in depth knowledge of long-term bonds until they skyrocketed up last year and then this year. I think given what I know now, I would have been very comfortable with maybe some of my cash in long term bonds to balance things out.

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