VWNAX

ElSol65

TL;DR -- What are your thoughts on re-entering the market today? I pulled out of the market in July. Would you get back in today? Longer: I'm a naive investor, and that's being generous. My investments are about 70/30 between a 401K and a brokerage. Early July, things were riding high but even I could see that a correction was brewing. I did something I've never done before- pulled 100% out of stocks and into first cash accounts, and then into short-term t-bills. In the days that followed, the value of my holdings would have dropped about $70K, had I held onto them. So I know a fool like me isn't supposed to try and time the market, but it worked this time. Now, those losses are reversed and this same portfolio would be up today around $20K over my mid-July sell prices. Of course I did earn interest on the t-bills, so that compensates some of this. I could have gotten back in before the rate hike, but decided to suppress my FOMO, in order to get a better feel for the blowing winds. It feels to me like it might be an OK time to get back in, perhaps tomorrow. I'm talking primarily about investing in VWNAX and the Vanguard Institutional 500 Index Trust (these seem to be the best options in my Vanguard 401K), and VOO and FDVV with brokerage funds. My biggest reservation is that the market is trading at all time highs. Seems precarious. But it seems the sentiment, at least for now, is moderately bullish. What are your thoughts on the market risk, entering back right now? Is it better to wait for a real correction before jumping back in?

Inseparable98

We have a Vanguard account for my wife’s Funds. I see a lot of highly rated and cheap funds available. What do you think of doing a mix of index ETFs or funds instead of managed? This is about 1/3rd of our combined funds. Right now it is just VWNAX and VSEQX. We are 63 and 67, I just retired, and my money is well diversified.