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spooky3

(38,244 posts)

29. Financial advisers have LONG advocated that you need 60% of

Fri Apr 11, 2025, 10:52 AM

Apr 2025

Your money in stocks in retirement. This is because most alternatives available to most of us do NOT have returns that keep up with inflation. If you are retired for 20-30 years or more, you could easily run out of money without a substantial part of your portfolio in stocks.

Why do you think that the default target mutual funds in 401ks are a mix of S&P, international stocks, and bond indexes?

Please do the research on this. I see posts like this all over social media, and it just shows me that a lot of people need better financial advisers and/or are endangering their retirements.

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Scoop: Top Senate Dems propose emergency Social Security payment boost [View all] BumRushDaShow Apr 2025 OP

I think that's a terrible idea. It drives inflation too, and will be unevenly applied. bucolic_frolic Apr 2025 #1

Yeah, I am not down with it either AKwannabe Apr 2025 #2

Every single penny in Social Security comes from American Workers SnoopDog Apr 2025 #5

Inflation? Pandemic STIM. More money chasing fewer goods. bucolic_frolic Apr 2025 #7

Only a good idea during inflation. There is no inflation Bernardo de La Paz Apr 2025 #8

So you are against any employee getting a raise in their paycheck? SnoopDog Apr 2025 #20

Nonsense. Not applicable. Orthogonal to this discussion. Powder dry only on the goose SSI idea. . . . nt Bernardo de La Paz Apr 2025 #22

Got it. You have no response to logic... SnoopDog Apr 2025 #24

You were illogical. You tried to put words in my mouth that are nonsense. Logically I am not against paycheck increases Bernardo de La Paz Apr 2025 #25

tldr NJCher Apr 2025 #27

More people will sign up for it. Igel Apr 2025 #12

So you are saying that there are retirees that do not take SS? Because... SnoopDog Apr 2025 #23

My dad waited until 70 to start taking his madville Apr 2025 #30

Glad you and your family are rich. But, SnoopDog Apr 2025 #33

You said it was ridiculous madville Apr 2025 #36

I agree Rebl2 Apr 2025 #31

So, even COLA raises are bad - right? SnoopDog Apr 2025 #34

Nonsense. Now you try to stuff words into Rebl2's mouth. Bernardo de La Paz Apr 2025 #37

No Rebl2 Apr 2025 #43

I like that it's an actual amount and not a percentage womanofthehills Apr 2025 #39

Interesting concept. James48 Apr 2025 #3

This is a great idea SnoopDog Apr 2025 #4

SS already has COLA. They're not going to pass an adjustment for inflation that hasn't happened yet. (n/t) thesquanderer Apr 2025 #6

Count me as one of those seniors who'd be praising slightlv Apr 2025 #10

Same here. ShazzieB Apr 2025 #16

Few politicians have ever lost votes because they handed out money. Igel Apr 2025 #13

COLA vs Chump BidenRocks Apr 2025 #17

Democrats need to concentrate on preserving SS Skittles Apr 2025 #9

It's just a messaging ploy madville Apr 2025 #28

yeah Skittles Apr 2025 #38

Exactly Rebl2 Apr 2025 #32

I do not find getting $200 more on SS a gimmick womanofthehills Apr 2025 #40

no one said getting more money would be a bad thing Skittles Apr 2025 #42

All I know is that I won't be sending it back if I get it. dchill Apr 2025 #11

The GOP will surely force a rule change so they don't have to fucking vote on it, as they've been doing to so Karasu Apr 2025 #14

I oppose this unless there is a plan (eg, to raise the contribution rates or cap) spooky3 Apr 2025 #15

One reason that I see this as a good idea is for those seniors Marie Marie Apr 2025 #18

They shouldn't have their 401k tied to the markets madville Apr 2025 #26

Financial advisers have LONG advocated that you need 60% of spooky3 Apr 2025 #29

It's really all about individual risk tolerance madville Apr 2025 #35

Rethugs would never stand for it Bayard Apr 2025 #19

There should be stimulus checks for EVERYONE. milestogo Apr 2025 #21

After our terribly low 2.5% COLA, any increase would be great! Number9Dream Apr 2025 #41

Turning it into a conversation forces trump's bad policies into the spotlight right away. Torchlight Apr 2025 #44