Over the course of the las 3-4 months I've noticed the company in charge of managing my 401K retirement plan has been slowly moving my portfolio into equities away from bonds 5% each time I check (every couple weeks). This strike you as normal behavior (they've never changed my allocation away from where I set it like this before in the 9ish years I've had it.); or is this some fuck the little guy tactic I don't understand?
Am I being set up?
Charles Lewis
Christopher Miller
Can someone stop shilling their bags for 2 seconds to help an user out?
Ayden Gutierrez
They are afraid people will pull their money out if they underperform, so they are mlving into equities to chase yield.
When the market crashes you'll lose more with their allocation, but theyd rather be wrong with the crowd than stick to sound management and watch their clients disappear.
Kevin Turner
Could it be that they're rebalancing as equities dropped?
Jack Morris
withdraw money and manage your self. Or invest in gold/silver.
Matthew Allen
For instance assuming you wanted to have an allocation of 50% in equities, 50% in bonds. If your equities lost value and it became 40% equities, 60% bonds, would they re-balance by selling bonds for equities until you were back at 50% equities %50 bonds?
Caleb Johnson
Bond yields are low, equities are providing better yields. A fixed bond rate will get destroyed by inflation, whereas stock is an inflationary hedge. If usd goes full yen, the value of a companies equities will go up in perportion.
Juan Martinez
What retirement company is it?
Carson Evans
I have a set of those
Dominic Russell
Makes sense and in the vein of what I was afraid of. Figure 100% bonds will be a safe harbor in case things get a bit fuckey.
Long term if there's anything left after repaying personal loans that have kept me afloat this long that is the plan - Do you think gold and especially silver has much upward movement left. I have my own opinions on pm's just curious what you think.