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Strategies & Market Trends : Young and Older Folk Portfolio
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misscbd
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To: socalmike who wrote (11468)11/19/2024 8:15:58 AM
From: jritz02 Recommendations  Read Replies (2) of 22005
 
RE: Cash, JEPQ, SPYI in retirement account.

I would like to revisit holding cash and equity/option funds 10 years from retirement.
I have mentioned previously that it doesn't make much sense to hold equity/option funds if someone was 10 years away from needing the money, however, I think JEPI would be as good or better holding in IRAs/401Ks than the likes of many stocks many DGI folks hold. I'm talking the likes of T, VZ, KMB, CSCO, even JNJ and PG.
Sure, JEPI won't keep up with a quickly rising market but neither do the others mentioned. You won't have to manage multiple stocks, that is done by a really good team at JEPI. Theres is also no reason for JEPI not to hold these type stocks if they feel they have value. JEPI looks at quality and value and are free to invest where they choose. I trust them to do a better job than myself especially now when I don't want to manage a stock portfolio. JEPI will give you a handle on how cash flow investing works and will help you decide if you want to turn on the spigot when cash flow will be needed.

I would be a hypocrite if I said not to hold cash 10 years from retirement. The individual investor just needs to know their risk tolerance.
I usually held around 10% cash in my 401Ks and invested every paycheck about the same. Cash can dampen volatility of an account that can calm some nerves in a down market and it is nice to have dry powder laying around when the market inevitably turns.
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