That theory was proposed long ago, but it hasn't been predictive at all.JohnDoh wrote: ↑Mon May 09, 2022 7:27 amOTOH, I wonder if the fact that an ever-increasing share of the population is in retirement (and thus with relatively shortened time horizons) and actually living off their portfolios, will affect the course of events. It seems there's a greater chance of panic selling, etc. In any case, a 50/50 retiree would seem to be in a boatload of trouble at the moment.willthrill81 wrote: ↑Sun May 08, 2022 3:04 pmEven if the additional contributions aren't significant, the mere fact that you experience poor returns now vs. retirement is a significant benefit.TomatoTomahto wrote: ↑Sun May 08, 2022 11:52 amWe are still accumulators, but relative to our existing portfolio new funds aren’t moving the needle much. I’m hoping that we recover before we become decumulators.willthrill81 wrote: ↑Sat May 07, 2022 11:03 am Correct! I've often said in prior years that accumulators should be begging for times like this.
Beyond that, bonds are doing about as badly as stocks. Long-term bonds are doing significantly worse. Where are those who panic going to hide, cash paying .5%?