I have had a bad feeling about the stock market for the past year. I still have some money in the market but not much. I don't like losing money, but I really don't lose sleep over it. Actually I had a bad feeling about the economy, but the stock market doesn't always respond to reality in the economy. Sometimes people keep investing in the stock market when the economy is going bad. It takes some time for reality to set in for a lot of investors.
I don't have any crypto to sell. Gold has been climbing higher for a while, but it started losing some recently. I have heard that the stock market is overpriced. Right now, they say the stocks are priced 25-30 times earnings, and the normal is about 15 times earnings.
I would like to find a good place to invest the money from a recent land sell. I will take care of the capital gains tax this year and only have the Roth conversion to affect my taxes next year.
The 401k from the place I retired is starting something new in January 2026. It will be possible to move money from a traditional 401k to a Roth 401k. I am looking at how much I can move without putting me in a higher tax bracket. It looks like I should be able to move about 20% of my total without major effects to my tax bracket. I can move it in 2026 and when I fill out my tax return in early 2027, I will see the effects. They did not have the possibility of Roth conversion until now. The only wat to get into a Roth previously was to move the money from my traditional 401k to an traditional individual IRA and then move money from the traditional IRA to a Roth IRA.