12-30-2023, 05:43 PM
(12-30-2023, 12:08 PM)rayray Wrote:(12-30-2023, 11:39 AM)ken-do-nim Wrote: I hear you on the "can't have the good without the bad". My main account was up 104% and my ROTH IRA was up 147%, but you won't hear me celebrating. By this time next year I should be at or past my end of 2021 year high, so it will have ended up being a 3 year recovery period.
Overall, I'm at my peak but my kplan is still down 100k from it's peak--I find that disappointing because it's ETF/MF based. Well, my compnay stock hurt me too. Because of kplan choices it's a partial reason why I went from 16% to 6% contributions, enough to keep the company match. I also wanted to build up my non-retirement accounts in case I retire before 59 1/2.
I'm lucky in that if I decide to retire anywhere between 55 and 59 1/2, the rule of 55 will kick in for me, since my current 401k represents my entire retirement savings except for my much smaller roth ira.
Yeah, my company stock has not had much of a recovery from its 2021 high. I sold most of it at massive losses and moved it into far more lucrative positions. That's mainly why it will take me another year of big market gains to surpass my overall 2021 peak.
Btw 26k in dividends, nice! And without trying too.