1. Panic sell while a stock is tanking and then buy back again but a lower rate.

or

1. Hold the line

thanks

Im interested in investing in foreing index funds. Do they have the same applicable concept as discussed here and the books? There are multiple things that I have never thought I should rely on but now with the current political environment they seem truly threatened. Social security, perhaps much more costly medicare medicaid and although a bogglehead weathers the storms whcih I've been doing, did Mr Bogle account for autocracy in his discussions? If the concpet is the same, then I'd just need to understand if taxes are the same if gains are unrealized. Im looking at Canada as my potential target. Any insight on resources are welcomed. Thanks.

Hello! I'm new to investing and but I've read in this forum and I've recently gotten some money and was getting ready to invest but I still just don't know how to go about it. I do want to invest money that can lay around for 20 years at low cost and low maintenance. I was told to buy this MSCI world ETF (Isin: LU0274208692) by a friend. But she is in Germany and I don't know which bank I can use in the US to make such a transaction. Or how to easily do this with any bank. I only have a bank account with a local bank. I would be grateful for a recommendation. Thank you!

I’m 25, barely got an income atm working part time, but I have over 50k in a high yield savings and have never bought a stock. Been thinking about it for a while but was confused about all the specifics. From what I understand now though people are saying to “buy the dip”. I generally am frugal and risk averse but I worry I’m loosing money by not investing. I’m willing to part with 10k for starters, I know s&p and bonds should I put 5k in each at once? Or a dif ratio and spread over multiple instances? And can I do that on the same app? (Sorry, I know I’m financially illiterate- I’m trying to learn)

I'm just gonna keep buying regularly and it'll recover eventually because I'm nowhere near retirement and bear markets don't last forever even if they last years.

I'm 29 and have always put money into my roth ira and now I'm putting in my sons 529 plan both vtsax.... should I keep putting money in or hold off till things get better

Hi everyone, this may be a stupid question, but I am genuinely curious on what people thought. My paycheck is biweekly. Is it more beneficial to automatically invest biweekly (which is what it’s set to now), or half it but have it invest every week?

Thank you much!

Evening Bogleheads,

Revising future short term investment direction to include bond funds as provided within my company’s 401K plan. There are only 2 options - Vanguard (I believe) FIAM core plus commingled and NT collective aggr. bond IDX NL.

Would appreciate your advice regarding these 2 fund options - not sure as to which fund is the better / safer play. Again, short term future investment direction change - current portfolio consists of 55% stocks / equities, 35% stable value and 10% bonds.

Thank you all!

So I’ve been a Boglehead since 18, but I also daytraded on the side for about 5 years, at which point I decided to stick to Boglehead full time as, like many, I realized it wasn’t worth it (not to mention I would’ve performed better doing 100% Boglehead).

My question is this. I have a set monthly deposit, a set semimonthly 401k, and a set, Roth IRA contribution.

I had some dry powder which I’ve been DCA on this dip, which frankly has been stressful as the dip keeps on dipping, and gives me PTSD from daytrading, which led me to think about it from a different perspective.

If you were young (20’s) and not responsible for other people financially. Would you continue your strategy, but up your monthly contributions in the short term during a market pullback like this? This would mean either working more for more income, or cutting costs where feasible and essentially operating slightly outside of one’s comfort zone.

Once the market rebounds, I’d imagine lowering my contributions back down to what is comfortable.

Curious to hear everyone’s thoughts. Thank you!

Hi everyone. My husband inherited $ from his parents in 2021. The brokerage account had about 50 percent in VGHCX, 40 percent in other underperforming mutual funds and the rest in VTIAX .We didn't really do anything with it except pay the taxes on the capital gains even though most of the funds were losing money. We don't know much about investing but I learned about tax loss harvesting and decided now was a good time to sell and shift most of it over to VTSAX or VSMGX. Why would I pick one over the other?

Thanks!

Ok, unlike most of the other posts here about the recent downturn, I’m a boglehead at heart. I’ve been DCAing out of mined cryptcurrency for a year. Other than that, I’m VTI/VXUS with all the bonds in my 401k. I’m 75/25 equities/bonds, but all the bonds are in tax deferred with the rest of that 401k similar to my brokerage VTI/VXUS.

To validate my boglehead bona fides, I had $9000 from that crypto DCA last Wednesday. I made the VTI/VXUS purchase even knowing the tariff announcement was coming. In hindsight, I wish I’d waited but have no serious regrets.

I’ve got VTI and VXUS in my brokerage account that I’ve held over a decade that still has a substantial gain. However, since I’ve ramped both up with the DCA exit, both are now down in whole.

I’m considering selling the VTI/VXUS tomorrow and buy VT. If I can do it instantly, I lock in losses and reset my cost basis lower. If, as I suspect, the market is dropping, I even come out ahead.

This is clearly market timing. But it feels like a boglehead way of market timing. I’m not effectively changing my allocation or my plan.

A bit more info: I currently intend to retire in a year, in April 2026. That’s been the plan for about 6 months. This drop could double and it would still be the plan. I’ve not yet told work, so if the drop quadruples, I can wait.

I’ve got about 1.5 years of living expenses in SWVXX, so I won’t need to touch any newly purchased VT until it is long term gains. Though, I’ll admit to some concern about that 1.5 year calculation given the expected effects of the tariffs.

So, this is a market timing question, but hopefully it’s a more boglehead question than many. Any reason I shouldn’t do this?

Hi all. I need some advice with investment allocation. I have been investing in mutual funds without much rhyme or reason except something somewhere said they were a good idea. These investments are sitting in my 401K, Roth IRA, and Investment Brokerage. These are the total breakdowns. Total breakdowns are below.

I do not plan to actively manage much, since I'm not very knowledgeable. I'm willing to accept slightly more risk than an average 40 yo because I'm behind on saving for retirement. I spent way too much time in school, and have a lot to catch up on. High earner, but will be working for some time I expect.

12% VBIAX (60% total stock, 40% total bond)

57% VFIAX (S&P500)

26% VFIFX (Target fund 2050), and

5.72% VTMGX (International developed markets)

Please don't judge me! I have tried to read up different portfolios, but am still having trouble wrapping my head around how to set allocation goals. Thank you in advance.

It would be my first time buying VTWAX , I read that the buy is triggered at the end of the day? And the price doesn’t update minute by minute hour by hour -

This is all new to me as I’m used to VT.

Is there transparency to the price? Does it track VT or sort? Also how do they even allow so many buys at one time of the day .

Thanks fellas

The tariff stuff is scary, no doubt. I'd like to act as the voice of reason for those that are second guessing their asset allocation or general path to wealth.

While there's no way of knowing where the bottom lies, it’s worth remembering that stocks go up - over the very long term. The very nature of asset pricing defines that any cash producing asset will have some positive return - over the long term. Owning U.S. equities in 2000 had a positive return - over the long term. Japanese stocks, during their height with PE ratios in the 50s, will have offered 2-5% returns - over the long term. This is true as long as earnings and cash flows aren’t permanently impaired. And I tend to lean on the belief that capital markets are more resilient than one administrations agenda.

While markets were frothy leading into this year, they weren’t anywhere near dotcom levels (both on an absolute or relative basis). The most richly valued companies in the world are also of the highest quality. The balance sheets of the Mag7 are nothing short of sterling. Cash flow and earnings power for these companies are, have been, and will likely continue to be “magnificent”.

We may be staring down short to intermediate term market turmoil, but I wouldn’t use this as an opportunity to move away from equities if you already haven’t. And, for those that are decades away from retirement, this presents the perfect opportunity to continue contributions at better entry points. Stocks may or may not be at attractive valuations relative to intrinsic value, but they sure as hell are cheaper now than they were a month ago.

To reiterate Priority 2, above: Get the big stuff right.

This Vanguard article highlights the importance of not panicking and staying the course during severe market downturns. People who move to all cash have a greater than 70% chance of underperforming the classic 60/40 portfolio when trying to time the market.

Hi everyone,

I’m a very casual investor since I’m only 19. I have around 2k in my Roth IRA and i’ve been hearing alot and reading a lot about tomorrows possible all time low.

I have everything in FZROX currently and i’ve lost like 200$+ in the past few weeks sadly so I decided to take some action since it seems like the price of the stock is so low right now.

If I want to put in $500, can someone help explain to me if it matters if I put in the Buy right now? Or do I have to wait for the market to “open” tomorrow? Like as soon as it opens open my fidelity app and buy it?

Sorry if this is really dumbed down, again, this isn’t my main focus and i’ve thought I can make some quick gains tomorrow to make back some money. My average cost of my positions is 17.50.

i appreciate all the clarification

Bought about 7k in 21$ call options on SDS for .70¢ around mid March for a April 17th execution. When the market had a bit of an uptick I was down 50% and sold. Now those same options are trading at 4$+ at first I wanted to puke, kicking myself for not doubling down but I realized that I was at my risk tolerance and Its better to have missed out on what could have been than lose everything. Now I'm putting about 1k a month into the major ETFs and I'm not going to look at it again for at least the next year. I just wanted to put this out there for anyone in the same position as me, don't chase your losses, just breath and move on.

63 and retiring $5000 month over 3 pensions House paid off no significant bills so I can save more Only 50K in market after paying cash for house may move to safer investments in stocks now Thoughts?

Hi y'all, I am in my early 40s and have been contributing well to my retirement and have been in a VT and chill mode for a while now. These past few weeks, and past few days in particular, have made clear to me that perhaps my appetite for risk isn't what I thought it was, and I'd like to mix in some bonds.

But I also don't want to sell low.

Should I direct some of my future retirement investments into bonds? Is there a way to do this that makes the most sense?

Because it's the day my auto-buy is set up at Fidelity

I'll be putting $350 into FZROX and $175 into FZILX like I have every month since 2012 and will every month until I retire in 25 more years...

The stuff I bought in 2012 is up 500%! I'm a stock market genius.

I have $100. I’ve been thinking of loading up on VTI.

I'd love some advice on the specific steps I'm about to take on simplifying my portfolio. I got great advice on an earlier post about the overly complex (and expensive!) portfolio from my former financial advisor. I’m starting with my taxable account and took advantage of some tax-loss harvesting and capital gains offset opportunities with the current market downturn. I recently realized about $43K in long-term capital gains from an employer-based stock ESPP+RSU stock sale, and I’m trying to offset as much of that as possible.

I'm staring by selling my biggest losses:

• Sold all EIHMX (~$7,500 loss), will reinvest into VTEB
• Sold all FLTRX (~$1,978 loss), will reinvest VTEB
• Sold 690 shares of SPSM (only loss lots, ~$3,500 loss), will reinvest into VIOO
• Sold all VXUS (~$6,800 loss), will reinvest into IXUS
• Sold all VWO (~$2,500 loss), will reinvest into IEMG

Total harvested losses are about $22K.

Goals for the changes:

• Simplify the portfolio (fewer, low-cost, broadly diversified holdings)
• Harvest losses to offset the single stock long-term capital gain
• Move toward a ~40/60 stock/bond allocation ahead of retirement
• Improve tax-efficiency and reduce fees

Questions for you all:

• Would you have approached any of these TLH and capital gains offsets moves differently?
• Do the ETF replacements (IXUS, VIOO, IEMG, etc.) seem appropriate, and won't trigger a wash sale?
• As soon as the funds settle, I plan to buy the replacements above but could also hold them in the ~4% settlement fund for 32 days to wait-and-see and eliminate any possibility of a wash sale (even though I think I avoided that already?)

Thanks in advance for any thoughts or feedback. I've appreciated learning from this community and want to make sure I’m thinking clearly before finalizing everything. Baby steps as I learn!

Hey guys, little context first. I work with a retired, very well off Wall Street guy at my job and we will talk investing every now and then (although lately, quite a bit). He told me he and, an extremely wealthy friend of his, are very interested in Europe right now and he suggested that it was time I bought a Euro centered Vanguard fund. Couple questions: Is it time to invest in Europe? I am torn between VTWAX and VGK, any thoughts or neither of them?

I'd like to pull the trigger tomorrow morning although I'm going to assume this whole week is going to be a blood bath so I can wait as well. I'm either going to go ahead with this Euro plan or invest in my normal funds / Roth IRA.

Thanks everyone!

I DCA per month with a 70/30 split in US/international index funds. If my US total market index fund continues to drop faster than the international, the percentages of course deviate from that 70/30 split. Is it best to just start putting in a larger percentage for my US index per month, i.e. sort of rebalance each month? Or is it better to keep the contribution percentages the same and then just rebalance once a year?