same here. i only cashed out 10% — the other 90% is in retirement accounts which can’t be touched until the 2030s anyhow.
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Me too. First time I get to buy shares on sale
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I have had a similar effect with trying to move the bulk of my HSA to Fidelity starting in late January. The transfer still hasn’t gone through despite my and Fidelity’s best efforts, but that means a large chunk of money has been sitting in cash and missing all the drops. I’ll take it.
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Well 90 day pause is on and S&P 500 just jumped 6%. Change anyone’s math? 
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I’m ignoring the fact that my 401k exists right now…
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nah. the dude in charge is still an evil maniac, and i’m a new homeowner as well, so i still sleep better with a larger cash cushion 
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I know the current number of 2660.34. (!) will not stay but goddamn is my brain happy to see it.
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My math is just to appreciate my innate cheapness!
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Same I have a long-term investment horizon and (thankfully) a sizable cash cushion in two major currencies.
But I did stock up on olive oil, coffee, and korean sunscreen.
I should also stock up on skating tights
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I think you absolutely made the right call for you!
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I am doing exactly zero looking at my investment numbers and it’s frankly great for me
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I log investment balances to my software at the end of each quarter (e.g. March 31) and thankfully it was… not entirely horrible at that time But I do watch indices stupidly so I have definitely been “vaguely” aware of ongoing chaos! But yeah I’m not logging into my accounts and seeing the real action. No thanks.
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I have a spreadsheet where I update balances once a month (roughly), and although Simplifi decided to dump an unwanted graph on me a couple days ago, I try to ignore it otherwise. The crazy person running the country doesn’t change that.
At this point I’m just waiting for him to say that he didn’t say 90 days, he said 90 minutes and how dare anyone claim otherwise and we should all just agree he’s great. If only because even his sycophants are starting to have trouble spinning his nonsense. (not enough trouble, but at this point it’s all I’ve got)
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I usually do monthly, but I didn’t on 4/1, and now I won’t unless I need to for some reason, but I am aware what the DOW was at and there’s a ticker that I see on the bottom of the browser homepage that I use for work (which I can’t change because they control everything) and I do use the internet for work for some things, and anyway, I see what it is and eff me.
And some of us don’t have a 20 year time horizon. I scraped and saved and invested and sacrificed for 30 years. I did all the things I was supposed to. I was almost there. I can’t work another 20 years. And I can’t really articulate to older people how much of a betrayal everything is. (I mean, obviously nothing is certain with anything ever, but this was deliberate and malicious.)
I’m glad my parents got to have the retirement I will never get.
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I usually update mine once a month because my retirement contributions go in once a month, and that’s the bulk of my investments. But I made a decision they would not get updated for this month
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How long is your investment horizon? have you been adjusting out of equity and into bonds as you get closer? I don’t think this dip should make you radically adjust your retirement plans unless things get much worse (which daily I wonder if it will…or more like hourly when I’m at work and covering it)
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I’m not trying to downplay the chaos that is happening for no reason just to be clear, but the S&P 500 is still up 6 percent from this time last year. This hasn’t been a crash to zero, it’s been a lot of uncertainty and the markets reflecting that
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I was realistically like 5 years. It’s around 80/20. So sure, I should have been adjusting more, I guess it’s my fault.
It’s true if it ONLY dips this much it will be ok, but… everything feels terrible and like they will only get worse for us. Every single day more new terrible news. It’s not just the markets. I know feels are not facts, but feels are powerful. And history teaches us a lot.
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There is one thing I’m certain of in this market - this is not your or any other average investor’s fault.
But I would probably start shifting my allocations over the next year if I were 5 years out from retirement. Bonds are being weird though right now thanks to waves at everything
Very loose rule of thumb is 110- [your age] = the percent that should be in equities. So if you’re 50, that would be 60 percent equities/40 percent bonds. If you’re 60, that would 50 percent equities/50 bonds.
well that I can agree with. I have to say lately I have been saying is that I’m not convinced the american experiment will persist.
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Traditionally wisdom re bonds v stocks as you get closer to retirement, absolutely. But, how to bonds compete if no one will buy US debt?
(This is a real question, not just me being salty and annoying.)
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