[quote=massdaytona]
i.

You have to have a large sample size to put credibility into any stories.

Is it in an IRA or tax deferred pre-income tax plan now? If it is, there should be no real restriction on moving to self directed IRA. Not know what the actual investment vehicle is, same as another comment I saw early...

I'm in California, what's wrong with my truck transmission?

Way too much missing info to make any kind of suggestion. You mentioned it was in an IRA, then say it is above IRA limits. If already in an IRA, the limits that are allowed for contributions don't apply because it's a transfer.

That cleared it up a lot with the source of funds.

NRisk free means treasury bills or similar.

If your T bills are paying 2% and inflation is 10% you are losing 8% a year. And that doesn't even take into account taxes. So T bills are not risk free.

If your T bills are paying 2% and inflation is 10% you are losing 8% a year. And that doesn't even take into account taxes. So T bills are not risk free.

That's where I bills come in to play. The problem is you're limited to $10K per person a year. You can do an additional $5,000 If it comes directly out of your tax return. Current interest rate is 0 plus the CPI twice a year. Current guess for May is over 9% which is 4.5 per 6 months. If you were lucky enough to have bought a few years ago the fixed rate was 3 and you would get 12%. If inflation goes to 0 you get 0 never negative. So if a CPI is 1 it works out to 2%. Must keep a year for full rate and if sold under 5 years you lose 3 months.

I Bond current rate is 0?

So you can never get less than 0. T.

Timing in and out is a losing deal.

What a ridiculous statement. I jumped in with both feet in March 2020 during the crash and saw almost everything pump 45-50%. My Ford stock went from $7.00 to $22.00 or something alone. I just wish I sold it at that, when they are volatile, you also be volatile

Problem with this game plan, and you alluded to it, is timing.

Marketwatch has an online "game" where you invest money into the market, everything is real but the money you use. It's supposed to be a training type thing. One thing I learned is that if you are going to play the volatile timing game you had better be in front of the computer ready to trade when ever the market is open. I have a real job that pays real money that doesn't allow me to sit in front of the computer ready to trade. So while I generally make a few bucks over all I don't see big gains because I cannot hit the timing. Heck, I've lost money even being in front of the computer because I wanted a little bit more and the bottom fell out, lol.

As the song goes, you got to know when to hold them, know when to fold them, know when to walk away and know when to run. Learning that is the toughest part of playing the volatile market game and exactly why I am still playing on Marketwatch and not in the game for real.

Problem with this game plan, and you alluded to it, is timing.

Marketwatch has an online "game" where you invest money into the market, everything is real but the money you use. It's supposed to be a training type thing. One thing I learned is that if you are going to play the volatile timing game you had better be in front of the computer ready to trade when ever the market is open. I have a real job that pays real money that doesn't allow me to sit in front of the computer ready to trade. So while I generally make a few bucks over all I don't see big gains because I cannot hit the timing. Heck, I've lost money even being in front of the computer because I wanted a little bit more and the bottom fell out, lol.

As the song goes, you got to know when to hold them, know when to fold them, know when to walk away and know when to run. Learning that is the toughest part of playing the volatile market game and exactly why I am still playing on Marketwatch and not in the game for real.