Help with IRA investing

Quote from Bob111:

very true. like i said above-feels like it's too late to buy ANYTHING. every single asset is gone thru the roof. thanks to Heli Ben.
this is why i believe that we have no choice,but invest. Cause it is absolutely clear that they will do anything to prop up the markets.
to keep 'average joe' happy and got themselves elected again.

https://personal.vanguard.com/us/funds/etf/ETFTableView

bonds -1 year performance- from 10 to 43(!)%

This is precisely why i'm looking for advise-what one should do,if he have some cash to invest? wait, invest some of the money now and then go with averaging or something else..

Again lump sum investing is the way to go just invest in a fund or group of funds with a beta of 1 or under, then if the market drops switch to higher beta funds and ride it out.

I don't like bonds unless you are talking Tips or something , besides do you really think interest rates can go lower?
 
----Again lump sum investing is the way to go just invest in a fund or group of funds with a beta of 1 or under, then if the market drops switch to higher beta funds and ride it out.----

i like this idea. Thank you!
 
Quote from Bob111:

----Again lump sum investing is the way to go just invest in a fund or group of funds with a beta of 1 or under, then if the market drops switch to higher beta funds and ride it out.----

i like this idea. Thank you!

Of course just make sure those higher beta funds , small caps , emerging markets or whatever you choose have taken substantially greater loses than your original investment.

As long as you are not on margin this type of market timing cannot go wrong (unless you panic).
 
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