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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: jritz0 who wrote (21126)	10/9/2025 10:18:38 AM
From: 389190	Read Replies (2) \| Respond to of 21937

jritz0 , perhaps I am not understanding these downside protection ETF's. So I will ask this question, why not just leave money in cash, Fidelity FDRXX for example , it currently pay 3.84%. If BALT has downside protection of 20% and an upside cap of approximately 2%, isn't cash a better option. Thank You in advance , John

To: jritz0 who wrote (21126)	10/9/2025 10:34:19 AM
From: Smart_Asset	Read Replies (1) \| Respond to of 21937

A quick search on buffered ETFs includes the information that. << Losses beyond the buffer: If the market declines beyond the buffer, you are exposed to losses. The buffer does not provide complete protection.>> It seems to me that a major market correction might eliminate some or all of that downside protection..yes?

To: jritz0 who wrote (21126)	10/9/2025 10:38:34 AM
From: cemanuel	2 Recommendations Recommended By cajman1 chowder Respond to of 21937

I'm somewhat derisking but right now it's more destocking. I had a certain figure I wanted to get to and as my brokerage value went above that I wanted to have that excess in something other than stocks which, despite occasionally buying a fund or two, was almost my entire focus for the past 8+ years. Some is certainly for downside protection and at the moment I'm using SGOV for that. But also gold, silver, and once crypto calms down a little I expect I'll get some IBIT. I look at it almost as if I have a fixed-amount principle of my target amount. That principle will give gains and as they come I'll put those gains into these other investments. Doesn't mean I'll never move from them into growth, and once the balance in the "non-stocks" reaches a certain point I'll quit adding to it and go back to my prior investing pattern. But this is what I'm doing for the time being.