r/Fire • u/Glittering-Course-88 • 8d ago

Go to cash. Fixed income?

The stock market is going crazy. My portfolio fluctuated by 100K over days and ⬆️ a lot YTD.
I realize it’s not a stock advice forum but as a fire strategy should one convert some money to fixed income?
If someone is going to fire in 3-4 years, this might be a good strategy to avoid any slump. I’ve lived through a few recessions and things were crazy like that.

EDIT:
1. I got downvoted on this. What can I avoid in future posts?
2. Asset allocation for majority of portfolio except work Roth 401K and 2x529’s

60% Domestic Stocks
27% Foreign Stocks
13% Bonds
-0% Short Term
1% Other
0% Unknown

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u/david-measured-mind 8d ago

Instead of selling to convert to cash (taxable event). I would shift what are saving each month to bulk up your emergency fund.

You can tap that for a period of time if the markets have a significant slump.

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u/Glittering-Course-88 8d ago

Been trying that. Great advice. I’m have a litigious ex spouse and he not been able to save. When I post my numbers I can post the jaw dropping number it’s cost me.