# Investment general discussion thread **URL:** \ **Category:** In My Humble Opinion\ **Created:** [March 5, 2025, 6:24pm UTC](https://boards.straightdope.com/t/investment-general-discussion-thread/1015169 "2025-03-05T18:24:59Z")\ **Posts on this page:** 1\ **Showing post:** 695
**Author:** ![DSeid](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dseid/32/20194_2.png) [@DSeid](https://boards.straightdope.com/u/DSeid)\ **Post date:** [May 24, 2025, 7:52pm UTC](https://boards.straightdope.com/t/investment-general-discussion-thread/1015169/695 "2025-05-24T19:52:39Z")
> [@xtenkfarpl](#): > > Give the fellow a break… And some of our reactions weren’t even in this thread! On a different thread mid February this was mine: > [@Move to Cash? {Keep Politics out of this one}](https://boards.straightdope.com/t/move-to-cash-keep-politics-out-of-this-one/1013713/110): > > So my update. Not sure if I am contradicting my “don’t try to time the market” mantra, but I am more and more of the sense that being fairly all in on the S&P500 is being greedy and in these times riskier than I am comfortable with. I’m staying in the same allocation of equities but pulled the trigger on moving out of most in the S&P index as my allocation, followed by a mid cap growth fund, and a smaller selection of individual stock picks pulling up the rear. Now I’m in VEIRX (Vanguard Equity… > I’m staying in the same allocation of equities but pulled the trigger on moving out of most in the S&P index as my allocation, followed by a mid cap growth fund, and a smaller selection of individual stock picks pulling up the rear. Now I’m in VEIRX (Vanguard Equity Growth Administration Fund) in equal shares with the two other fund choices. It gets classified as large cap value. Compared to the S&P500 index VEIRX total return (dividends reinvested) was 10 year avg 10.73 compared to 13%. But less volatility. When the S&P500 dropped 18% in ‘22 VEIRX was flat, albeit in ‘18 it dropped 5.6 while the S&P500 only dropped 4.4%. My gold etf is at about 9%. 20 something in various bonds. Those aren’t changes other than that gold has gone up in value so is a larger share. And maybe 6% cash with a planned use coming up (youngest returning to grad school). Approaching 66. No _plans_ to retire. I enjoy my job; it is what I do for fun. Some X amount tied up as business equity illiquid until the venture capital firm invested in us decides it is time for a next equity “event”. --- _[View the full topic](https://boards.straightdope.com/t/investment-general-discussion-thread/1015169)._