Suggestions for IRA funds

Financial Planning - Financial planning in general. (Moderated) 

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Subject Author Date Suggestions for IRA funds shareyourknowledge@hotmail.com 03-04-2008  Re: Suggestions for IRA funds Elizabeth Richa... 03-04-2008  Re: Suggestions for IRA funds PeterL 03-04-2008  Re: Suggestions for IRA funds Douglas Johnson 03-04-2008  Re: Suggestions for IRA funds BreadWithSpam 03-06-2008
Posted by shareyourknowledge@hotmail.com on March 4, 2008, 11:00 am I'd like to transfer my traditional IRA funds from my Dodge & Cox Balanced fund into a more conservative traditional IRA fund for now until the market recovers.I want to do the same with my Roth IRA which i have in the Vanguard Total Stock Index fund. Any suggestions for funds and companies? Maybe stay within the same comanies, i don't know. I'm thinking a money market fund would be a safe bet , but i'll wait to hear from those much more experienced than me. I'm also assuming, since these funds are not taxable since they are being moved from one IRA to another until i decide to withdraw. -------------------------------------- Misc.invest.financial-plan is a moderated newsgroup where Moderators strive to keep the conversations on-topic for financial planning. Other posting guidelines include a request for brevity and another for trimming posts to which we respond. For all of the other tips and suggestions, see "FROM THE MODERATORS: Posting to misc.invest.financial-plan", a weekly post now on the Newsgroup. Posted by Elizabeth Richardson on March 4, 2008, 11:59 am > I'd like to transfer my traditional IRA funds from my Dodge & Cox > Balanced fund into a more conservative traditional IRA fund for now > until the market recovers. Let me see if I understand you. Now that your funds have lost a little money, you want to secure those losses by transferring into a money market account. Then you'll wait until the market climbs back up again and buy back in when the price of the funds is higher than today. Have I got that right? You want to sell when things are on sale and then buy them back when they are regular price again. Is that how you do it at the supermarket or the department store? Seems to me you have a buying opportunity rather than a selling opportunity. I don't know how long before you'll be wanting to use your retirement funds, but trading now because the market is volatile is a poor reason for moving things around. Just ride it out is my advice. Elizabeth Richardson -------------------------------------- Misc.invest.financial-plan is a moderated newsgroup where Moderators strive to keep the conversations on-topic for financial planning. Other posting guidelines include a request for brevity and another for trimming posts to which we respond. For all of the other tips and suggestions, see "FROM THE MODERATORS: Posting to misc.invest.financial-plan", a weekly post now on the Newsgroup. Posted by PeterL on March 4, 2008, 1:00 pm On Mar 4, 8:00 am, "shareyourknowle...@hotmail.com" > I'd like to transfer my traditional IRA funds from my Dodge & Cox > Balanced fund into a more conservative  traditional IRA fund for now > until the market recovers.I want to do the same with my Roth IRA which > i have in the Vanguard Total Stock Index fund. Any suggestions for > funds and companies? Maybe stay within the same comanies, i don't > know.  I'm thinking a money market fund would be a safe bet , but i'll > wait to hear from those much more experienced than me. I'm also > assuming, since these  funds are not taxable since they are being > moved from one IRA to another until i decide to withdraw. Instead of totally moving to cash, you may want to consider diversifying your holdings. Seems you are 100% in stocks. Look at the diversification tools offered from your fund company. -------------------------------------- Misc.invest.financial-plan is a moderated newsgroup where Moderators strive to keep the conversations on-topic for financial planning. Other posting guidelines include a request for brevity and another for trimming posts to which we respond. For all of the other tips and suggestions, see "FROM THE MODERATORS: Posting to misc.invest.financial-plan", a weekly post now on the Newsgroup. Posted by Douglas Johnson on March 4, 2008, 2:24 pm >I'd like to transfer my traditional IRA funds from my Dodge & Cox >Balanced fund into a more conservative traditional IRA fund for now >until the market recovers You mean you want to sell low and buy high? That is not the path to riches. Assuming this is long term money (5 years or more), close your eyes and ignore the market's gyrations. -- Doug -------------------------------------- Misc.invest.financial-plan is a moderated newsgroup where Moderators strive to keep the conversations on-topic for financial planning. Other posting guidelines include a request for brevity and another for trimming posts to which we respond. For all of the other tips and suggestions, see "FROM THE MODERATORS: Posting to misc.invest.financial-plan", a weekly post now on the Newsgroup. Posted by on March 6, 2008, 9:18 am > I'd like to transfer my traditional IRA funds from my Dodge & Cox > Balanced fund into a more conservative traditional IRA fund for now > until the market recovers.I want to do the same with my Roth IRA which How will you know when the market is starting to recover? The only reliable way to know when it's recovered is to wait until after the recovery has already taken place - by which time you'll have missed out on the recovery. -- Plain Bread alone for e-mail, thanks. The rest gets trashed. No HTML in E-Mail! -- http://www.expita.com/nomime.html Are you posting responses that are easy for others to follow? http://www.greenend.org.uk/rjk/2000/06/14/quoting -------------------------------------- Misc.invest.financial-plan is a moderated newsgroup where Moderators strive to keep the conversations on-topic for financial planning. Other posting guidelines include a request for brevity and another for trimming posts to which we respond. For all of the other tips and suggestions, see "FROM THE MODERATORS: Posting to misc.invest.financial-plan", a weekly post now on the Newsgroup. 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