Row 64332

Row ID: 64332 | Dataset Entry | Axioma AXP Content Repository

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This page contains data entry 64332 from the Axioma AXP content repository. The structured data below represents the complete record for this entry.

Note: I used traductor

Hi, I'm a 32M. Currently, all my money is invested in a single index fund, QQQ. My plan is to gradually shift into more conservative index funds like VOO over time, ultimately retiring with VT or SCHD (I'm still unsure about this).

The explanation for this is obvious, but if not, I want to do this since I am still young, in my country men retire at 65, that means I still have 33 years of exposure to volatility, that's why I start with a greater risk.

There's a well-known chart (https://www.reddit.com/media?url=https%3A%2F%2Fi.redd.it%2Fi8eqh4q4tunb1.jpg) that shows the historical probability of negative returns based on the investment duration in S&P 500 index funds. Essentially, it suggests that after 14 years, the chance of negative returns dips below 1%. This leads me to believe that for moderate risk, I can stay invested in QQQ until age 51 (65 - 14). Then, I can switch to VOO 14 years before retirement (at 65) to theoretically avoid losses. Finally, upon retirement, I'd move into highly conservative funds like SCHD or VT. Summary:

* Age 32-51: QQQ * Age 52-65: VOO * Age 66 onwards: SCHD or VT

I understand that everyone has different risk tolerance, financial goals, and overall approach. Therefore, there's no single "right" answer. I'd love to hear your thoughts, if you opted for more or less risk, what would you do and why would you do it?

FieldValue
text Note: I used traductor Hi, I'm a 32M. Currently, all my money is invested in a single index fund, QQQ. My plan is to gradually shift into more conservative index funds like VOO over time, ultimately retiring with VT or SCHD (I'm still unsure about this). The explanation for this is obvious, but if not, I want to do this since I am still young, in my country men retire at 65, that means I still have 33 years of exposure to volatility, that's why I start with a greater risk. There's a well-k…
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-23
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url_encoded Z0FBQUFBQm5Lak9yV2ctclVzOUJPNldtVllVTHJ1ZGxpN1VDSkRnVXhrSVNVbExCYndzTl82aGZNa3VtOHFkSi1NTXZxYW5feG9ZX1dJQldoeDY5MTMtZXEwcWxJTFlWV2hkaGZXbE1aV0FWdHY1WHhzaUhINUN5eHYtMlVQdW1kZXNlc0J0Ukp4dEJzYVg3NE9CeDV4S3lQUHZCeklrUnFHZ203c2xLNjdldXhLVmw3NWlZU2VNS1dsQ0g3STBtck8xQ2FCTjB4U2dWYkJqdmhJRk9QVWoxUGxFbTh5NWZMdz09

Raw Record

{
  "text": "Note: I used traductor\n\nHi, I'm a 32M. Currently, all my money is invested in a single index fund, QQQ. My plan is to gradually shift into more conservative index funds like VOO over time, ultimately retiring with VT or SCHD (I'm still unsure about this).\n\nThe explanation for this is obvious, but if not, I want to do this since I am still young, in my country men retire at 65, that means I still have 33 years of exposure to volatility, that's why I start with a greater risk.  \n\n\nThere's a well-known chart (https://www.reddit.com/media?url=https%3A%2F%2Fi.redd.it%2Fi8eqh4q4tunb1.jpg) that shows the historical probability of negative returns based on the investment duration in S&P 500 index funds. Essentially, it suggests that after 14 years, the chance of negative returns dips below 1%. This leads me to believe that for moderate risk, I can stay invested in QQQ until age 51 (65 - 14). Then, I can switch to VOO 14 years before retirement (at 65) to theoretically avoid losses. Finally, upon retirement, I'd move into highly conservative funds like SCHD or VT.  \nSummary:  \n\n\n* Age 32-51: QQQ\n* Age 52-65: VOO\n* Age 66 onwards: SCHD or VT\n\nI understand that everyone has different risk tolerance, financial goals, and overall approach. Therefore, there's no single \"right\" answer.  \nI'd love to hear your thoughts, if you opted for more or less risk, what would you do and why would you do it?",
  "label": "r/investing",
  "dataType": "comment",
  "communityName": "r/investing",
  "datetime": "2024-05-23",
  "username_encoded": "Z0FBQUFBQm5Lak1iNEJmOXh2SURCSHo1WkRoMnc3aXRhMzVYR2tDeEdlem5DSm1WMm5XZ2ZWR2JjbEFjdTJfUFdDbFNEMjBDZFQwWU5DQVJFT1J1RU9YM3JnYWQxcWZFLXc9PQ==",
  "url_encoded": "Z0FBQUFBQm5Lak9yV2ctclVzOUJPNldtVllVTHJ1ZGxpN1VDSkRnVXhrSVNVbExCYndzTl82aGZNa3VtOHFkSi1NTXZxYW5feG9ZX1dJQldoeDY5MTMtZXEwcWxJTFlWV2hkaGZXbE1aV0FWdHY1WHhzaUhINUN5eHYtMlVQdW1kZXNlc0J0Ukp4dEJzYVg3NE9CeDV4S3lQUHZCeklrUnFHZ203c2xLNjdldXhLVmw3NWlZU2VNS1dsQ0g3STBtck8xQ2FCTjB4U2dWYkJqdmhJRk9QVWoxUGxFbTh5NWZMdz09"
}
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