Yeah I've been slowly taking stuff out of the market, it feels illogically high.

SlightlyLeftPad a day ago | parent | next [-]

I’ve been quickly taking stuff out of the market. No one wants to say we’re in a recession because it would make the stock market go down. The fact is, we are in a recession. It’s an oxymoron.

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tzs a day ago | parent | prev | next [-]

Where are you putting the stuff you take out of the market?

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toomuchtodo 9 hours ago | parent | next [-]

VXUS, BNDX (investments) and euros (short term). Gold feels overbought already imho, but some may differ on that thesis. Swiss franc would also be a reasonable short term currency depending on your needs. Outracing inflation and currency devaluation is hard.

(not investing advice, educational purposes only)

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kingstnap a day ago | parent | prev [-]

Exactly this. Selling stocks <=> Buying USD.

Are they buying bonds? Investing in foreign countries? Real estate? Gold? Crypto?

Holding cash is surely a losing bet I doubt we will see any deflation even if a shit ton of people lose their jobs.

	▲	tzs 20 hours ago \| parent \| next [-]
		That is indeed the question. I'm not one those sophisticated investor types. I'm more of a "stick it in a broad index fund and leave it there" guy with a side during high interest times of "have a fair amount in 3 to 18 month CDs and treasury bond/notes". I'll be retiring in a few months, and because my house is paid off, my older ICE car is paid off, my new EV will be paid off soon, we have no state income tax and a great senior property tax relief program, and I don't have any expensive hobbies, my annual Social Security benefit will be about 50-60% more than my normal annual expenses. The difference should be enough to cover a new desktop computer every 5 years, a new iPhone every 4, a new iPad every 5, a new watch ever 4, a new car every 10, and deal with the occasional need to replace a major appliance with several hundred a month left over. If Congress screws up Social Security by letting the trust fund run out I'll be old enough then that when I'm forced to start drawing on my retirement investments I probably won't have enough years left to actually run out of money, as long as I can reasonably preserve my investments until then. I don't even need my investments to beat inflation--it looks like I'll be fine even if they fall behind inflation as long as the inflation isn't too high for too long. So it seems to me a good case can be made for getting out of stocks, or at least getting a significant majority out, and into something safer. The question then is where to put it that has very little risk of loss of principal but should at least try to counter inflation?
	▲	gip a day ago \| parent \| prev [-]
		A partial explanation is that money flows to money-market funds & CDs. Reference: https://wolfstreet.com/2025/09/12/money-market-funds-cds-ame... But let's not forget that is someone is selling stock and getting USD, someone else is buying and giving USD, so the overall effect may be limited.

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frontfor a day ago | parent | prev [-]

Why do you think you’re able to time the market? What if it keeps going up? Even if you’re right that the market eventually drops, you’ll still need to be right in timing your re-entry. It’s not as easy as it sounds.

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andrewmcwatters a day ago | parent [-]

Because people so commonly misuse and misunderstand the phrase "time the market," I'll take a moment to clarify:

If a kid comes down your street selling you lemons because their lemonade stand didn't work out, and they start selling them to you at $10/lb and you say, "Uh thanks kid, but I can buy them from Walmart for 75¢ each," and then another kid running a failed, overpriced lemonade venture comes around and tries to sell them to you for $5/lb and he clarifies that all the grocery stores near by are sold out and aren't getting any more lemons until next season, and CNN says there is a new insect killing off citrus trees, you're not timing anything when you look in your backyard, which has two producing lemon trees and you start offering them to your neighbors at $2/lb since no one can buy them from stores.

Now for the adults in the room, if 3 month treasury bills are yielding nearly the same as 10 year treasury bills,

...you’re not "timing the market" by preferring one over the other. You’re recognizing the price of risk and time. If lending money for ten years barely pays more than lending for three months, the market is telling you something about growth, inflation, and future policy rates. Choosing the shorter bill isn’t speculation. It’s responding to the information embedded in yields, just as choosing to sell lemons from your backyard isn’t speculation but simply adjusting to supply, demand, and alternatives available.

	▲	andriesm 19 hours ago \| parent [-]
		One reason to buy a 10 year bond over a 3 month bond paying the same interest rate - if you are worried that future interest rates could be lower on average than current rates. With 3 month bonds you need to replace then every 3 months, and if interest rates decline you can no longer get that rate. If you buy the 10 year, you've locked in your rate.