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how to opt out of the 401k ..?
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<blockquote data-quote="tieguy" data-source="post: 534955" data-attributes="member: 1912"><p><span style="color: blue">The lesson I learned on my first market downturn was to move the funds into the stable fund and bond markets when I see the market make a move in the wrong direction. That worked pretty well for me this time. I was a little slow to react last year did not make my move until september. Lost a couple of percent for the year. Up about 5 percent this year. </span></p><p> </p><p><span style="color: #0000ff">The other thing I do is play the seasonal cycles of ups stock during normal market conditions. You can generally catch a nice move upward from around late july to december with last year being the exception. </span></p><p> </p><p><span style="color: #0000ff">When ups stock dipped to the low 40's this year I moved a third of my portfolio into it. Thats proven to be a nice gain the past couple of months. </span></p><p> </p><p><span style="color: #0000ff">Its not fool proof by any means but understanding how the big money movers move thier funds and when can help you stabalize your 401K plan.</span></p><p> </p><p><span style="color: #0000ff">Also saw a nice piece by Scott Davis at our yearly reportback on identifying the point when the market is turning back up. Three factors.</span></p><p> </p><p><span style="color: #0000ff">Item one - Credit market becomes fluid. Not there yet. You can see Obama is still trying to light that fire with some more legislation that will kick in soon.</span></p><p> </p><p><span style="color: #0000ff">Item two - The real estate market turns around. That may be starting to happen as we have had two positive months. </span></p><p> </p><p><span style="color: #0000ff">Item three - unemployment - job losses stabalize. Not sure if we are there yet. I imagine the recent closing of car dealerships by GM will trigger another increase in the unemployment rate. </span></p><p> </p><p><span style="color: #0000ff">JMHO for what its worth.<img src="/community/styles/default/xenforo/smilies/FeltTip/happy-very.png" class="smilie" loading="lazy" alt=":happy-very:" title="Happy Very :happy-very:" data-shortname=":happy-very:" /></span></p><p> </p></blockquote><p></p>
[QUOTE="tieguy, post: 534955, member: 1912"] [COLOR=blue]The lesson I learned on my first market downturn was to move the funds into the stable fund and bond markets when I see the market make a move in the wrong direction. That worked pretty well for me this time. I was a little slow to react last year did not make my move until september. Lost a couple of percent for the year. Up about 5 percent this year. [/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]The other thing I do is play the seasonal cycles of ups stock during normal market conditions. You can generally catch a nice move upward from around late july to december with last year being the exception. [/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]When ups stock dipped to the low 40's this year I moved a third of my portfolio into it. Thats proven to be a nice gain the past couple of months. [/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]Its not fool proof by any means but understanding how the big money movers move thier funds and when can help you stabalize your 401K plan.[/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]Also saw a nice piece by Scott Davis at our yearly reportback on identifying the point when the market is turning back up. Three factors.[/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]Item one - Credit market becomes fluid. Not there yet. You can see Obama is still trying to light that fire with some more legislation that will kick in soon.[/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]Item two - The real estate market turns around. That may be starting to happen as we have had two positive months. [/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]Item three - unemployment - job losses stabalize. Not sure if we are there yet. I imagine the recent closing of car dealerships by GM will trigger another increase in the unemployment rate. [/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff]JMHO for what its worth.:happy-very:[/COLOR] [COLOR=#0000ff][/COLOR] [COLOR=#0000ff][/COLOR] [/QUOTE]
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