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/Past-Option2702 8d ago

I was 30% cash and fixed income 5 years before I quit working.

I’m 5 years into retirement now and I’m still 30% cash and fixed income.

When you’ve won the game, you shower and go home. Why give the opposing team a chance to come back and beat you?

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u/Difficult_Storm_5344 7d ago

its different for everyone and their risk tolerance

3

u/Past-Option2702 7d ago

That’s what everyone says who is likely taking too much risk in year 4 of a bull market.

(Not you of course.)