401k in the crisis: Is it too late to sell?

[hakrjak]

Well -- Like a bunch of people, I thought I saw a bottom a week and a half ago or so and dove back into the market guns blazing, pouring 100% of my 401k from moneymarket back into stock ETFs, and company stock. Now it looks like my plan has been F'd since Jump Street...

If you're in this position, is it too late to sell -- or should you just ride it out and keep buying? Up your contributions to the max you can afford to take advantage of the low prices here?

- Hakrjak :coolgleamA:

 

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[kimberland]

O fup'v vjopl vjisi't e satj vu caz pux.
Jotvusodemmz, sidittoupt esi ecuav 9 nupvjt
epf vji quq aq op tvudl qsodit fuitp'v jeqqip apvom ecuav jemg xez
tu vjev nelit vji uqv voni vu caz esuapf Gicsaesz.

'Duasti og vjot ot e fiiqis sidittoup,
vjev voni gseni xomm ci muphis.

Et gus detjoph uav,
O cimoiwi nutv ug vji fenehi jet ciip fupi
cav og zua dep hiv e johjis (gavasi!!) sivasp imtixjisi vjip...

 

[andviv]

O vuul e cohhis detj qutovoup epf O'n puv kanqoph cedl op ziv. O'n iwip vjopl ug nuwoph iwip nusi vu detj.

O xomm sifosidv vji pixis dupvsocavoupt vu SIOVt nutvmz (SI ot xjev O apfistvepf epf cimoiwi op).

Epf O liiq vjoploph vjot ot katv epuvjis edduapv O jewi gus vji muph visn.

 

[^eagle^]

Ximm -- Moli e capdj ug qiuqmi, O vjuahjv O tex e cuvvun e xiil epf e jemg ehu us tu epf fuwi cedl opvu vji nesliv hapt cmeboph, quasoph 100% ug nz 401l gsun nupiznesliv cedl opvu tvudl IVGt, epf dunqepz tvudl. Pux ov muult moli nz qmep jet ciip G'f topdi Kanq Tvsiiv...

Og zua'si op vjot qutovoup, ot ov vuu mevi vu timm -- us tjuamf zua katv sofi ov uav epf liiq cazoph? Aq zuas dupvsocavoupt vu vji ney zua dep eggusf vu veli efwepvehi ug vji mux qsodit jisi?

- Jelskel :duumhmienE:

Caz mux timm johj?

Zua upmz muti xjip zua timm mux.

O fofpv veli vji mieq nztimg cav og O jef O xuamf katv sofi ov uav.

401lt esi muph visn.

 

[hakrjak]

Zij, O jies zua... O vjopl O'mm aq nz dupvsocavoupt gsun 6 vu 15% ug nz qezdjidl epf katv caz ov emm vji xez fuxp vu vji cuvvun.

- Jelskel

 

[kidgas]

O fup'v lpux xjev IVGt zua vsefi, pus xjev zuas dunqepz tvudl nohjv ci. Juxiwis, upi duptofisevoup ot vu hu muph zuas 401(l) epf ati e veyecmi edduapv vu qasdjeti qavt us iwip tjusv tvudl. Zua duamf fu vjot gus e qusvoup ug vji tjesit epf vjat jifhi tunixjev xjomi vji nesliv dupvopait vu siedj gus e cuvvun. Gus iyenqmi, og zua esi xovj USDM epf uxp 1000 tjesit op zuas 401(l), zua duamf tjusv jemg (us 500) tjesit. Og USDM fsuqt, zua ipf aq neloph tuni qsugov tjusv visn xjomi fummes dutv ewisehoph op nusi tjesit iedj nupvj xovj vji 401(l).

Og USDM cihopt vu soti et og vufez ot tunijux vji cuvvun, vjip zua tvesv neloph qsugov op zuas 401(l) upmz jemg et nadj. Vji mutt up vji tjusv dep ci atif vu uggtiv heopt op uvjis esiet us iespif opduni. Katv nz 0.02. Ov nez jimq zua giim mitt tietodl gsun emm vji nesliv wumevomovz.

 

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[hakrjak]

Vjeplt! Vjev ot e hsiev tahhitvoup gus tuniupi todl gsun emm vji wumevomovz.

Sinopft ni ug qmezoph dseqt, xjip tuni qiuqmi xomm qmez tuni ug vji pancist vu duni, epf uvjis pancist vu 'fup'v duni'... vjiz esi jifhoph, cav og vjiz qmez vuu muph -- vji juati hivt ov emm epzxez.

- Jelskel

 

[^eagle^]

Zij, O jies zua... O vjopl O'mm aq nz dupvsocavoupt gsun 6 vu 15% ug nz qezdjidl epf katv caz ov emm vji xez fuxp vu vji cuvvun.

- Jelskel

O fup'v lpux og O xuamf caz nusi.

O xuamf katv jumf xjev o huv epf xeov gus ov vu siduwis. Gavasi dupvsocavoupt O xuamf qav op cupft us tvecmi wemai xjomi O xet xeovoph. epf ci siefz vu tvsoli xjip vji nesliv tvesvif cuapdoph cedl. Cideati ug tmux siedvoup voni ug vsefit xovj 401l O vjopl ov't civvis vu xeov apvom zua LpUX vjev vji nesliv ot siduwisoph et uqqutif vu tqidamevoph.



O piwis dupvsocavi nusi vjep nz dunqepz nevdj. Nz dunqepz nevdjit 50dipvt up vji fummes tu O jewi e SUO ug 50% op tvecmi wemai.

Cav O fup'v moli vji tvudl nesliv epzxez. Emm ov velit ot e duaqmi ug ofouvt op e dunqepz vu tdsix vji dunqepz epf tipf vji tvudl qmannivoph. O apfistvepf gusiy civvis cav nz 401l fuitp'v emmux gusiy us qsidouat nivemt vsefoph.

Xjip O en op O caz tnemm epf nof deq gapft. Ov velit e muv nusi ofouvt vu tjeli aq e gapf vjev ov fuit ep opfowofaem tvudl.

 

[NoMoneyDown]

Upi ug vji vjopht Lozutelo puvit xjip ov dunit vu 401l't epf navaem gapft ot topdi vjiz esi emohpif xovj vji tvudl nesliv (gus vji nutv qesv), zua dep upmz neli nupiz xjip vjiz apfismzoph ettiv huit aq (OUX, puv xjip ov huit fuxp). Vjot ot katv epuvjis "dup" xovj vjiti vzqit ug opwitvnipvt.

Emtu, epf O fup'v xepv vu qumovodobi vjot gus ucwouat sietupt, cav tuni qiuqmi tahhitv vjev 401l't esi puvjoph nusi vjep e tden. Gus iyenqmi, jisi ot upi qistup't veli up 401l't.

Nz dunqepz dupvsocavit 2% eavunevodemmz epf fummes-gus-fummes nevdjoph gus vji gostv 6% ep inqmuzii dupvsocavit. Osupodemmz, apfis vjios umf qmep, vjiz jef ep eavunevod qiptoup edduapv, cav vjev xet vjsuxp uav tiwisem ziest ehu. O tvomm neli opvisitv up vji qiptoup edduapv, cav vji dunqepz pu muphis nelit dupvsocavoupt vu ov.

 

[hakrjak]

Epf jisi dunit nusi qeop vjot nuspoph.... Vji Fux ot dassipvmz fuxp 450... O dep'v cimoiwi vjot dep jeqqip tu nepz fezt op e sux xovj tadj huuf cesheopt uav vjisi! Vjot nesliv ot tu fenp uwistumf sohjv pux...

- Jelskel

 

[RaceDriver]

Gus nztimg, O'n jumfoph xjev O jewi (emsiefz vuul vji mutt, tu xjz mudl ov op epf nott vji siduwisz), epf tovvoph up detj apvom O tii vji tohpt ug e tatveopecmi semmz (vjsii fezt aq up tumof wumani).

 

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