[USER]

How are you investing your post tax money in this stock market?
I am 38 and most of my post tax funds are invested in tech stocks.

This gave me larger gains the past couple years but YTD losses are higher.

In January I had around 1 million invested in my post tax brokerage. Welp, now it’s down to around 800k.

Thinking of reallocating my stocks. What would you guys recommend? GLD? Holding cash in a money market?

I’m keeping my retirement funds the same since I don’t have a lot of investment options in my 401k anyway.

[Christina]

I’m focused on diversifying and dabbling in dividend stocks for a portion.

It’s so hard to time the market so diversification is key imo

[Mary]

You might want to take some gains and spread things out. Maybe on dividend stocks, commodities, and bonds.

Also, keep some of that cash in a HYSA or MMF.

Just know that too much cash won’t keep up with inflation.

[George]

Try to decide on an asset allocation for the next 20 years regardless of market condition, or buy a crystal ball and some tea leaves to time the market

[Author]

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