u/CheetoNYC ·
Reddit — r/investing
· August 05, 2026 at 14:07
· ⬆ 36 pts
· 💬 182 comments
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Disclosure: this is not advice. Over my several decades of investing I’ve NEVER been successful at timing the market!
Yesterday I sold 25% of my retirement portfolio. I was over invested in S&P 500 index funds/ETFs, and I’ve known for some time I’ve needed to rebalance that. I was assessing a plan to shift my mix across small caps, intl’ stocks and bonds but my gut kept yelling at me that the market hitting a high in this environment is too irrational (Mag 7, AI bubble, Iran, Tariffs, inflation, etc.). I felt like any reallocation would still be just doubling down at the craps table so I decided to take a breather and pull some chips off the table. No insider knowledge or special analysis.
Since the cash is in an IRA and I’m not at retirement age, I’ll end up reinvesting it soon enough and will likely follow the original allocation plan for my age bracket that I was planning to before I just hit sell all. 🤮 Anyone else in the same boat?