The Question
In a hot stock market, how to protect investments?In a hot stock market, how to protect investments?
In September 2025 the stock market index has hit an all-time high. What can we do to protect the money we have that is exposed to risk in the stock market? I have heard buy gold or move out of the stock market but what are our options? Rules for IRA must not move any out unless over 59.5 years old
Hello,
Jeff hit on a few good points. One of them is not to time the market and instead create a long-term risk-adjusted approach. I’m assuming, and if you are like most folks, that a retirement account, such as an IRA, is the end goal to live off the money in retirement.
When is retirement for you? Next 5 years, in retirement, 15 years away, 30 years away.
Time and goals are not the only variables, but two key ones that help determine risk. Once you understand your appropriate risk and goals, you can allocate investments within your IRA properly.
Alternative investments to stocks:
There are bonds that historically are more conservative than stocks, and come in a variety of forms. Gold, and other types of commodities, are another alternative investment (gold is also at all-time highs by the way), real estate ETFs are another alternative, and money market funds, which are similar to savings funds, are another option.
Here’s the plug.
There are many excellent financial advisors on WealthTender if you require additional assistance. Financial advice may not be as expensive or out of reach, depending on your specific needs. For instance, I’m a fee-only (no commissions) advisor, and I have no minimums to work with me. I can also work on an hourly basis.
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Nathan Mueller, MBA, CFP®
*Information is for educational purposes and not advice. Consult a licensed professional before trading investments.
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