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.

Prices immediately dropped as Trump was mid-tariff announcement. Are people just sitting there listening and then selling in anticipation of everyone else selling?

And what are they planning to do with the cash? Puts, hold and buy “the bottom”, something else?

Trying to understand

The sea may rise, the sky may fall, The winds may whisper, roar, or call, But through the storm, the compass knows— The heart beats on, steady as she goes.

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.

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?

It feels so bad right now. I hurt.

EDIT: Thanks everyone for the advice.

Welp, this ISN'T a "should I have sold?"/"should I sell?"/"should I not be a Boglehead?" post. I've bought no more than three big funds and will continue to do the same for the foreseeable future.

BUT, acknowledging that things are a bit... "dynamic" right now, what's the hive-mind's thoughts on this question. For available funds above and beyond a normal monthly investment budget, would it be better to:

1. VTI/VXUS/BND and chill even more? (I'm assuming this is the Bogle answer)

2. Pay off the one financed car even more? (I plan to have it for a good long time, but all cars are depreciating assets)

3. Pay off the house faster? (I plan on having that for a good long time too, and it should be an appreciating asset)

4. Hoard cash? (probably very un-Bogle)

5. Other?

For what it's worth, there's no revolving debt, enough cash on hand for emergencies, retirement is more than two decades away, and the kids' college funds are on autopilot. What say you?

All the folks coming in and asking about market timing, buying the dip, etc. need to do the following. This is more a note for myself than anything. But I’d advise everyone coming by to ask the same question over and over do the following.

1. Read the links on the main page about the Bogle Philosophy.

2. Read it again.

3. Decide whether you are going to adopt the philosophy or not.

This is an either/or position. You can’t be a Boglehead & attempt to be a market timer. That’s like being “half pregnant”.

1. Practice the philosophy and understand the toughest part of Bogleheads is your personal psychology which will work against you (your emotions, your fears, your greed, etc.)

2. Read Michael Burry’s Letter to investors featured in the Big Short and accept the fact that Bogleheads are not (nor do they attempt to be) the loudest voices in the room.

“People want an authority to tell them how to value things, but they choose this authority not based on facts or results. They choose it because it seems authoritative and familiar.”

Basically the question in the title. I turn 27 soon and I'm still 100% equities, wasn't planning on adding bonds until possible early retirement in my 50s

People on here are now talking about how "this was the most telegraphed market downturn in history" and they should have sold last month. As of writing this, the top upvoted comment on the most recent post is:

We’re living in unprecedented times. Anyone that says they know how this ends is delusional or lying.

I'd have expected this sub to reject alarmism like this but it's not to be. Looks like our bowels are just as weak as those from r/stocks or r/investing. The very point of r/Bogleheads is to stick to a strong investing plan and stay the course during times like this.

In fact, this is the moment when passive investing really shines. The peace of mind knowing that a diversified portfolio will survive anything is gold-dust and should be treasured. Instead, there are posts on here about how VIX indicators have to be read a la crystal balls to react correctly to this "unprecedented event."

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.

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

Allocation is hard. Multiple questions.

I’m 50 soon, single mom to young kids working part time. If kids are sick I lose a paycheck. Emergencies happen so I’m conservative with what I keep on hand on Fidelity MMF FZDXX. Is there a better fund for emergencies ?

I’m a newbie diggin boddgleheads looking into dividend vs growth.

Been stocking up on VOO and SCHD.

Where do I buy each: brokerage, IRA, ROTH

Balances approx:

450 brokerage (60% FZDXX) 45 IRA 45 Roth (9K cash)

I know I need to focus on growth but

1. ⁠Unstable income
2. ⁠Will need to replace vehicle at some point (mine is a 2000, but remains a good sport)
3. ⁠Somebody needs braces

Goals: -Grow and maintain -Allocation toward div vs growth to survive the storms -Cover expenses asap -things are tight and not looking to get easier quick

I get a lot of opinions from loved ones:

“ you have to focus on growth” “Work more, that’s why there’s daycare” “Pay off your house” “Do not pay off your house, use that money to invest because you have a low interest rate” “Pay someone to manage it for you. You don’t have time for this.”

My mortgage is 2.85%, 30 yr fixed in 2020

Considering this jumble of circumstances, any advice or guidance is appreciated. Any insight or considerations I might be missing I appreciate it. I’m trying to learn, but this is hard stuff and I have big responsibilities. I’m pretty conservative but want to be smart.

This may be the incorrect forum. Another subreddit more appropriate?

.

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

https://www.bogleheads.org/wiki/Prioritizing_investments

I comment this link all the time, but considering the flurry of posts surrounding recent events I want to highlight the specifics of how to follow the Bogleheads Investing Philosophy beyond just saying "stay the course".

You must secure a healthy emergency fund before you can invest. Once you have that established, follow the above article. This flowchart achieves an optimized financial household for yourself, both from a risk and a tax standpoint.

And of course, this guide applies in good times and bad. The emergency fund is there so you don't need to panic sell your 401k or IRA investments during a market drop.

Armed with this knowledge, you should then understand the meaning behind Jack Bogle's quotes, with my personal favorite (and appropriate for the current climate) being: "time is your friend; impulse is your enemy".

Hi to all. I have been thinking to add VXUS to my portfolio. I’m 100% in VOO right now. I’m 34 years old. Where I’m stuck is what percentage of VXUS to hold. I’m leaning to 85% VOO 15% VXUS, which is the best scenario I’ve seen in portfolio vizualizer; but open to suggestions. Any advice will be appreciated.

The classic portfolio here is three fund (world ex US, US, bonds). The same outcome can be achieved with FTSE all world and bonds. Beyond greater control of international allocation (FTSE all world is 63% US), are there any benefits to the three fund over two?

I can see one argument being the slightly cheaper costs (see below) -- albeit slightly more costs in rebalacing yourself.

HSBC FTSE all world is 0.13%. VTSAX is 0.04% VTIAX is 0.09%

In sum, beyond greater control of allocation and slightly reduced costs, are there any other benefits to holding VTSAX and VTIAX over FTSE All World?

Edit: Changed S&P 500 to US for accuracy.

Hi! First, hold the tomatoes; I really a boring, undaunted BH; however, I want to invest 10% in PE. I started a SDIRA with Alto, but, compared with a brokerage account, it’s a lot of work (and expensive) to maintain. If I have a Series 7 (or regardless), what’s the easiest way to invest in PE?

First, happy Sunday and thanks for all the advice and linked resources in this reddit! I'm a new investor, military in my 20s. This is my strategy going forward: 60% US, 35% international, 5% bonds.

Most of my investments each year will go into a Roth TSP: 51% C / 9% S, 35% I, 5% F for the fund breakdown. It roughly matches the start of the L2065, but I want manual control of the allocations.

I will also be trying to max a civilian Roth IRA with 60% FZORX as US stock, 35% FZILX as international stock, and 5% FXNAX as bonds. Any extra past maxing the TSP and Roth (doubtful considering that's a cumulative 30k) will go into a taxable brokerage as 65% VTI and 35% VXUS.

I took an psychologic risk tolerance test and placed in the 57th percentile (average risk tolerance), so I used that to arrive at mostly equities for the start of this journey but have a small bond allocation for peace of mind. Key guidance I plan to use to combat sell panic: stay calm, always be buying, and remember that investing is a losers game!

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!

Hi all! Circa last month, I had built enough of an emergency fund and decided to start contributing to retirement. I opened up a roth and traditional IRA through Fidelity. I also have a very small 403(B) plan through Fidelity (I'm a graduate student, I am a TA with a paycheck but the university doesn't match my contribution at all so I'm contributing 8% voluntary). I really like the Bogle philosophy because of its simplicity and the idea of "staying the course."

I tried to tailor my IRAs using the Bogle philosophy, but as you can see, they are not balanced at all! Does anyone have any suggestions to rebalance them? I can also contribute a bit more to them because I have some money sitting in my cash management account. This is my first time doing something like this and my family never really taught me financial literacy, so I feel really behind. Would really appreciate some advice :)

March 9, 2009: S&P 500 closed at 676.53 (it hit a 666.79 intraday low on March 6).

You read that correctly.

Before you do anything irrational, just think of everybody who sold every that day and never invested back into the market.

Don’t make the same mistake they did.

Stay the course, friends!

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.