401k Quick Levers

[Reginald Noble]

This is not for me it's for my Woman as I don't believe in 401ks that much.

I want to know what is the quickest and most rationale shift to make in the event the market goes south. What is the best option to limit losses?

Is it possible to withdraw from the market entirely for a specified period of time?

Thanks in advance brehs

@Domingo Halliburton

 

[Robbie3000]

This is not for me it's for my Woman as I don't believe in 401ks that much.

I want to know what is the quickest and most rationale shift to make in the event the market goes south. What is the best option to limit losses?

Is it possible to withdraw from the market entirely for a specified period of time?

Thanks in advance brehs

@Domingo Halliburton

Just shift everything to Gov't bonds.

 

[Domingo Halliburton]

This is not for me it's for my Woman as I don't believe in 401ks that much.

I want to know what is the quickest and most rationale shift to make in the event the market goes south. What is the best option to limit losses?

Is it possible to withdraw from the market entirely for a specified period of time?

Thanks in advance brehs

@Domingo Halliburton

Yeah its possible to withdraw. I dont what tax implications youll have though. If youre not retiring for decades I wouldnt do it.

Municipal bonds are tax free. However interest rates are low and you probably wont get much return but yes, it would be less volatile and safer than the stock market.

 

[Reginald Noble]

Thanks appreciate the quick responses will let her know, also awaiting a response from my CPA

 

[TLR Is Mental Poison]

Don't withdraw, that is ridiculous, you will get gaped on taxes worse than any market downturn

401K is long term.... most people who try to time the market always lose, plus even with a down market you can still get dividends. I would not

 

[ADevilYouKhow]

Ride it out or muni bond if you're really freaked out.

 

[Reginald Noble]

The thing about those who would say ride it out:

It's not like a home where Real Estate values go back up and you retain 100% of the original investment, what's happens to a stock if it goes from 300 to 30 and back up to 300 again? It's not so much that you came out with no gain or loss, there are other things you gotta consider like diluted share value and inflation, also interest rates and the health of the companies in your portfolio.

Most gains will be made from new company growth. The problem is if you ride out as is in a big company unless they have high M&A you're looking at only marginal growth compared to the even safer option which is Municipals.

So by Ride it Out do you mean stay invested in big but stable public companies?