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Question on Delta's Profit Sharing

Old 02-10-2018, 07:18 PM
  #21  
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Originally Posted by Dorn View Post
MMMM, I think Bezos and Sundar would disagree with that.
Both amazon and google could pay dividends and would if they had lower stock prices. High prices make for a tough dividend yield. Both are businesses that are finding ways to grow by acquisition outside of thier core business. Sustainable means divided. In a 401k I’ll take value and income. Growth is great but less stable over time. Of course a diverse portfolio is the key to long term wealth accumulation.
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Old 02-10-2018, 07:20 PM
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Personally im buyg lotto tickets.
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Old 02-10-2018, 08:06 PM
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Originally Posted by Dorn View Post
MMMM, I think Bezos and Sundar would disagree with that.
I won't entirely disagree NotEnough. I was just poking you mostly. Lots of great companies out there without a dividend and are mostly, not all, growth stories. You find value and growth BUY it. I don't care about a dividend as much as I do as strong balance sheets, dividend thats just icing on the cake.
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Old 02-11-2018, 06:19 AM
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Originally Posted by Hank Kingsley View Post
This would have been a bad week to put it in the market.
Sure was. Especially if you're a short term investor. Luckily, 401k participants are forced long term investors with limited access to the cash for 20-30 years. In the long run investing this week will have little impact.
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Old 02-11-2018, 06:36 AM
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Originally Posted by Trip7 View Post
Sure was. Especially if you're a short term investor. Luckily, 401k participants are forced long term investors with limited access to the cash for 20-30 years. In the long run investing this week will have little impact.
I think 63 y/o pilots also have 401(k)s so not sure they fit into your "long term" 20-30 year horizon. Hopefully they were less weighted in the market than their younger counterparts though. 😁
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Old 02-11-2018, 06:41 AM
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There sure seems to be a lot of angst over a stock market that has crashed all the way back to where it was 90 days ago!
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Old 02-11-2018, 06:57 AM
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Originally Posted by FL370esq View Post
I think 63 y/o pilots also have 401(k)s so not sure they fit into your "long term" 20-30 year horizon. Hopefully they were less weighted in the market than their younger counterparts though. 😁
I have always felt a 63 year old is a long term investor. They have 20 plus years to plan for. There needs to be a plan to beat inflation which often includes stocks.
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Old 02-11-2018, 07:13 AM
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I agree with above comments but I would recommend not falling into the trap that the "set it and forget it" methedology is sound especially for those who are closer to needing their 401K funds. I think anyone who even occasionally pays attention to the market would have agreed this last few months pretty much everyone was saying this market has overreached. Pigs get slaughtered. don't get greedy. If you have made a nice return and see that your closer than farther to a pullback be smart,move your assets into cash or at least some of it. Drops like we just witnessed are buying opportunities see them as such. The number one rule is protect your assets. Im not suggesting to become a "trader" just that its important to participate in the management of your retirement.
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Old 02-11-2018, 08:01 AM
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Originally Posted by Dorn View Post
I agree with above comments but I would recommend not falling into the trap that the "set it and forget it" methedology is sound especially for those who are closer to needing their 401K funds. I think anyone who even occasionally pays attention to the market would have agreed this last few months pretty much everyone was saying this market has overreached. Pigs get slaughtered. don't get greedy. If you have made a nice return and see that your closer than farther to a pullback be smart,move your assets into cash or at least some of it. Drops like we just witnessed are buying opportunities see them as such. The number one rule is protect your assets. Im not suggesting to become a "trader" just that its important to participate in the management of your retirement.
The cash conversion you speak of is easier discussed than done successfully. Even if you guess correctly and get out of stocks fortuitously prior to a rare big drop, when do you get back in? Timing a buy is the other half of the equation. If you want to stay ahead of inflation and make gains, diversifying risk and incremental adjustments over your timeline is the way to go.

Lifecycle funds do this for you and are very stable. I think the novice, which we all are, benefits from the set it and for get it consistent dollar cost averaging. Look at the major pension fund managers, they are not traders. If your retirement is the subject, consistency over time is key.

I also have a brokerage account that is my "play money" which is my speculative "swing for the fences" investments. I have done well with that over the last 5 years, but it could all go away quickly and I'm OK with that. BTW, all my big wins have been deep value plays. The growth names have done well but once the masses start talking about the name, I'm out.
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Old 02-11-2018, 10:47 AM
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Originally Posted by Dorn View Post
I agree with above comments but I would recommend not falling into the trap that the "set it and forget it" methedology is sound especially for those who are closer to needing their 401K funds. I think anyone who even occasionally pays attention to the market would have agreed this last few months pretty much everyone was saying this market has overreached. Pigs get slaughtered. don't get greedy. If you have made a nice return and see that your closer than farther to a pullback be smart,move your assets into cash or at least some of it. Drops like we just witnessed are buying opportunities see them as such. The number one rule is protect your assets. Im not suggesting to become a "trader" just that its important to participate in the management of your retirement.
People thought the Dow was overvalued at 20k. Moving to cash would have been pretty expensive at that point.

Slow and steady DCA life >*
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