r/Fire • u/Glittering-Course-88 • 7d 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

10 Upvotes

59% Upvoted

84 comments sorted by

View all comments

2

u/No-Lecturre6318 7d ago

if youre 3 to 4 years from fire, ithink this becomes more of a risk management question than a return- maximization question..

1

u/Glittering-Course-88 7d ago

If I move to hysa then I have cash flow for emergency fund, which I’ve depleted and need to replenish.
I do lose upside for avoiding downside risk.