Savvy Trades and Investments

[researcher59]

Wade: I can well understand that financial security is a priority, but there's a cost to being out of the market. Hypothetically lets say your average after tax annual return on invested funds since 2014 was 20%. And let's say you took an average of $50,000 out per year for 10 years and put it in the bank for low risk free returns. Had you stayed fully invested the $50k per year withdrawals would now be worth $1.55M versus $550k risk free. A huge $1M difference in your net worth. I don't know what your actual returns or withdrawals have been, but I think you've reported previously that you've had some spectacular years, including 2022, so your average annual after tax return is probably well above 20%. Even with the disaster this year, your WadeGarret portfolio is up 74% since the start of last year.

I'm virtually always at least 80% invested, perhaps briefly 75% on rare occasions, but usually 95% or so .... there are always undervalued stocks to buy even in a pricey market. Right now I'm about 87% invested with the remaining 13% in SGOV.