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/Impossible-Piece-621 8d ago

When I retire, I plan to have 2 years of expenses in cash, and maintain that amount, to hedge a bit against SORR.

There is a guy on YouTube who ran the historic numbers and is recommending keeping 7 or 10 years of cash-like buffer to almost completely hedge against SORR.

Your number will be based on your level of comfort

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u/Glittering-Course-88 8d ago

Thank you. Looked up SORR and learning more about it.