... that's my dilemma... I have been in MM funds for too long and missed out on gains over the passed few years... I have not taken enough risk and although MM rates have cushioned that blow, the longer I remain "de-risked", the greater the risk to my long term retirement success. Despite my reservations about a potential blow-off top in equities, If we see the sp500 push past 7000 it think it will just keep going and I will miss out on yet another years worth of gains. Indeed, this bull market could run on for years. The charting would not be as important currently as I will be DCA'ing in, and yes, it's not as important if I am keeping it simple with some VAGS, VHVG with no EM and no HY, maybe some FTSE100/250 thrown in... so I would be left with standard equities risk whilst DCA'ing. In 2 years without a "2022" style drawdown or "the next crisis/blow off top" kicking in I can take my SIPP into full drawdown (25% TFLS) to buy the property. As a matter of course I would be doing the TA on VAGS vs VHVG vs FTSE100/250 to see how they are performing against each other. It seems to be a decent way of allocating to higher momentum assets and potentially less risky than DCA into a standard 'rote' target allocation 30% to 50% VAGS and 50% to 70% equities.Is all this charting really consistent with someone who has 100% in MMFs & wants to buy a property in retirement in a very few years?
Statistics: Posted by BoomBustInvest — Sat Jan 31, 2026 1:08 pm — Replies 14 — Views 1018