100 percent stock investors: any of you adding bonds now?

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SemiRetire
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100 percent stock investors: any of you adding bonds now?

Post by SemiRetire »

For those with 100 percent stock allocations, is anyone adding a bond allocation in, say maybe 10 percent or so?

late edit: please post your age : )
Last edited by SemiRetire on Wed Mar 25, 2020 8:09 am, edited 1 time in total.
IndexMD
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Re: 100 percent stock investors: any of you adding bonds now?

Post by IndexMD »

No, I'm not changing anything. Still young and at the beginning of my career with 30+ years of work. If I'm wrong then...money won't matter in that situation.
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duricka
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Re: 100 percent stock investors: any of you adding bonds now?

Post by duricka »

I was 10% bonds, and now it's 15%. I didn't have to sell or buy anything.
vipertom1970
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Re: 100 percent stock investors: any of you adding bonds now?

Post by vipertom1970 »

wrong time to switch to bonds or add bonds.
LFKB
Posts: 727
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Re: 100 percent stock investors: any of you adding bonds now?

Post by LFKB »

I was about 5% bonds. Took about 1.25% of that and moved to equities today, so now at 3.75% bonds. I intend on moving another 1.25% at each of 40% down, 45% down and 50% down if we get there.
stimulacra
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Re: 100 percent stock investors: any of you adding bonds now?

Post by stimulacra »

The time to add bonds was 2-3 weeks ago.

I was at 30% bonds. It's gone up to 35% now.

In May or June I might take it down to 20% and pivot back to equities.
grettman
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Re: 100 percent stock investors: any of you adding bonds now?

Post by grettman »

Uhhh..... no..
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David Jay
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Re: 100 percent stock investors: any of you adding bonds now?

Post by David Jay »

Start buying bonds when the SP500 crosses 3000 again. Not now.
Prediction is very difficult, especially about the future - Niels Bohr | To get the "risk premium", you really do have to take the risk - nisiprius
Bigt3142
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Bigt3142 »

I went from 90/10 to 100/0 and changed my future investments to 100/0. I'll go back to 10% bonds when the index isn't on sale, maybe. I've learned for me, my asset allocation should be 100% stocks at my age because as soon as the market started to drop I got excited not scared.
jvini
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Re: 100 percent stock investors: any of you adding bonds now?

Post by jvini »

Great answers. Wonder how many people here are under 40-50. I bet most or all.
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knpstr
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Re: 100 percent stock investors: any of you adding bonds now?

Post by knpstr »

No. Only adding to stocks.

(Under 40)
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chevca
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Re: 100 percent stock investors: any of you adding bonds now?

Post by chevca »

Nope.

Side note though - DW and I both have pensions to look forward to.
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LiveSimple
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Re: 100 percent stock investors: any of you adding bonds now?

Post by LiveSimple »

Sticking to 100% equities, will move to CD/ Treasuries / bonds, in a few years...maybe 5 years from now.
37K9euArPSjBBwT4c8Sa
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Re: 100 percent stock investors: any of you adding bonds now?

Post by 37K9euArPSjBBwT4c8Sa »

Deleted.
Last edited by 37K9euArPSjBBwT4c8Sa on Tue May 12, 2020 6:50 am, edited 1 time in total.
chrischris
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Re: 100 percent stock investors: any of you adding bonds now?

Post by chrischris »

No. I’m 34 years old with a government pension. I’m looking forward to buying more stocks.
FlyerJack
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Re: 100 percent stock investors: any of you adding bonds now?

Post by FlyerJack »

No. I continue regular purchases of 100% equities. But I have never relied on retirement or taxable brokerage accounts for short-term needs.
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welderwannabe
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Re: 100 percent stock investors: any of you adding bonds now?

Post by welderwannabe »

The forum is littered with posts over the last couple years about not buying bonds because rates were on the rise. Now that yields crashed, the reason is because they are too expensive.

Some people just hate bonds.
I am not an investment professional, but I did stay at a Holiday Inn Express last night.
grettman
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Re: 100 percent stock investors: any of you adding bonds now?

Post by grettman »

knpstr wrote: Mon Mar 23, 2020 4:33 pm No. Only adding to stocks.

(Under 40)
+1. Only adding equities and I’m just under 50.
LiterallyIronic
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Re: 100 percent stock investors: any of you adding bonds now?

Post by LiterallyIronic »

No. I'm 36. 401k is 100/0; IRA is 90/10. Leaving things exactly as they've always been.
avecmoi
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Re: 100 percent stock investors: any of you adding bonds now?

Post by avecmoi »

I have some money that will be available in 2 weeks. I actually am using some margin to invest into stocks while I await the money that will be coming in the fort night.

Avecmoi
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Wiggums
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Wiggums »

I’m only adding stocks.
Rosencrantz1
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Rosencrantz1 »

Wiggums wrote: Mon Mar 23, 2020 7:24 pm I’m only adding stocks.
+1 I'm 62 with a 70/30 portfolio. I'm only buying stocks - both with 'new' money and rebalancing
splitatlantic
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Re: 100 percent stock investors: any of you adding bonds now?

Post by splitatlantic »

69 and moved some cash to stocks.
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BigWave Dave
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Re: 100 percent stock investors: any of you adding bonds now?

Post by BigWave Dave »

No im 59 maybe in a couple yrs.Don't need my 401k till 65 also have pension at 64 or 65.
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TechGuy365
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Re: 100 percent stock investors: any of you adding bonds now?

Post by TechGuy365 »

Early 50s, sticking with 100/0 and investing 35%+ in stocks with every pay check. Staying the course of course.
nix4me
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Re: 100 percent stock investors: any of you adding bonds now?

Post by nix4me »

47 and 99.1% stocks, 0.9% cash. I’m pushing into both at the moment as much as I can scrape together. So far in this panic I have learned that I should have more cash so I’m going to fix that slowly. When I press the retirement button, I will consider bonds as a ballast but cash and cds provide ballast as well. I might do all 3, not sure.
frugalmama
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Re: 100 percent stock investors: any of you adding bonds now?

Post by frugalmama »

chevca wrote: Mon Mar 23, 2020 4:34 pm Nope.

Side note though - DW and I both have pensions to look forward to.
+1
Ztx
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Ztx »

Early 40s... no point adding bonds now. It's better to buy cheaper stocks.
fwellimort
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Re: 100 percent stock investors: any of you adding bonds now?

Post by fwellimort »

No.

At this point, stocks seem much better investment long term.
MrMatt2532
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Re: 100 percent stock investors: any of you adding bonds now?

Post by MrMatt2532 »

Nope. No changes whatsoever here.
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1789
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Re: 100 percent stock investors: any of you adding bonds now?

Post by 1789 »

No bonds before or after. Only CA$H
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acejacksingh
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Re: 100 percent stock investors: any of you adding bonds now?

Post by acejacksingh »

I'll just let my target date fund decide for me :D

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gwrvmd
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Re: 100 percent stock investors: any of you adding bonds now?

Post by gwrvmd »

I am 83, have been 80% stock and 20% cash for about 15 years. Currently 70% stock and 30% cash but I won't be buying bonds
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toblerone
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Re: 100 percent stock investors: any of you adding bonds now?

Post by toblerone »

Bigt3142 wrote: Mon Mar 23, 2020 4:25 pm I went from 90/10 to 100/0 and changed my future investments to 100/0. I'll go back to 10% bonds when the index isn't on sale, maybe. I've learned for me, my asset allocation should be 100% stocks at my age because as soon as the market started to drop I got excited not scared.
Age 50, 65/35. Like the above poster, I did not get scared at all, which tells me my risk tolerance is higher. So I'm allowing myself to over-rebalance into stocks up to 80/20 while they are on sale, and then return to a new AA of 70/30 when this is all over.
Jng2020
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Jng2020 »

No, still 80/20. Trump may open things up soon. May get Sharpe Sharpe Rebound perhaps in US EQUITIES. Definitely better in 3-6 weeks
lostdog
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Re: 100 percent stock investors: any of you adding bonds now?

Post by lostdog »

Nope. We will add bonds when we hit our goal.

Early 40's.

I might add another six months to the cash pile when this is over.
Trader Joe
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Trader Joe »

SemiRetire wrote: Mon Mar 23, 2020 4:03 pm For those with 100 percent stock allocations, is anyone adding a bond allocation in, say maybe 10 percent or so?
No, absolutely not.
bigfry
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Re: 100 percent stock investors: any of you adding bonds now?

Post by bigfry »

Nope. Buying more stocks.
100% Total Stock Index | 6 Months Cash | No Debt
b.lock
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Re: 100 percent stock investors: any of you adding bonds now?

Post by b.lock »

No. I think adding bonds now would be an emotional decision to protect myself from loss, but it doesn't make sense. Maybe when I'm closer to retiring.
chuppi
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Re: 100 percent stock investors: any of you adding bonds now?

Post by chuppi »

Age 44.
I was at 70/30 stocks/bonds. I want to go 100 stocks and slowly moving to stocks now. I am probably at 80-20 now. I was conservative before because I was investing a windfall 2-3 years ago.
I have a bloated emergency fund - 2 year expense. I will cut that to 1 year emergency and put the rest in stocks as well.
I am contemplating if I should dig into my HELOC loan. I mainly took that to take advantage of the 2009 like scenario. I will be at 70% loan to value if I take 250K HELOC. I can potentially pay it off in a few years. I am not ready for it yet.
BrownEyedGirl_27
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Re: 100 percent stock investors: any of you adding bonds now?

Post by BrownEyedGirl_27 »

No.

(Age 27)
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civility
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Re: 100 percent stock investors: any of you adding bonds now?

Post by civility »

No bonds, continuing to pile more total stock index (US). Age 39.
GCD
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Re: 100 percent stock investors: any of you adding bonds now?

Post by GCD »

My wife and I are retired. We were 100% stock until about a year ago when we reached our number for the kids' 529. We put the 529 50/50 in bonds and cash. Other than that we are 100% stock in "our" investible assets and not planning on changing. Full disclosure, my wife and I both have federal pensions that cover everything including vacations and frivolities.

Wish I was younger, for a lot of reasons :happy , but oh what a buying opportunity this market is for you younger people. As for us, we're just going to have to let the market recovery do its thing.
Jwulgaru
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Jwulgaru »

No. Full steam ahead!
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Stef
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Stef »

29 years old. No bonds for me till I'm 50.
ChrisO
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Re: 100 percent stock investors: any of you adding bonds now?

Post by ChrisO »

No

With the large sell off stocks are cheap now!! If/when we get back to the earning before the virus than stocks are at like a p/e of only 14!!.

Plus bonds interest yield sucks right now! If we ever get inflation back (which we could from the massive stimulus) I wouldn't like to hold bonds.
doldrum
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Re: 100 percent stock investors: any of you adding bonds now?

Post by doldrum »

I’m still trying to digest the fed action and this stimulus. But the Treasury is buying $125B per day right now. That’s a run rate of $32T per year which is larger than the entire US economy. There is still significant risk in certain sectors of the bond market.

If anything now may be a good time to consider gold. This fed action is unprecedented and I’m going to be shocked if gold doesn’t continue its move higher. Hopefully not the Ray Dalio version of shocked by what gold did to him over the last couple of weeks.
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Ramjet
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Re: 100 percent stock investors: any of you adding bonds now?

Post by Ramjet »

No way
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InvestorNewb
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Re: 100 percent stock investors: any of you adding bonds now?

Post by InvestorNewb »

No because for me it would mean selling stocks at a loss and buying bonds. Now is the time to buy more stocks instead of bonds.
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flaccidsteele
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Re: 100 percent stock investors: any of you adding bonds now?

Post by flaccidsteele »

Why would an investor buy bonds when equities are cheap?

Makes no sense
The US market always recovers. It’s never different this time. Retired in my 40s. Investing is a simple game of rinse and repeat
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