In October of last year I received an inheritance of $250k. My single mother passed away in my early 20’s. I am 35 years old today. I live a very very modest life and work a job that pays $45k a year. This was life changing money for me that my mother sacrificed so much for. I was urged to LUMP SUM, but looking at the market gave me a massive lump in my stomach. It looked extremely overvalued, so I began to DCA into the market. As of now I still have $200k in cash left to deploy. I am still sticking with my plan to DCA $10k a month into index funds, and I am looking at this market downturn as a gift. I could’ve been very wrong in my approach (and I still might be), but I am extremely grateful that this was the path I took. I hope you all hang in there during these very hard times and wishing the absolute best of luck!

Should I lump some into voo on Monday or let the dust settle first?

The market will be just fine over time.
Buy the right and hold it tight.
Stay the course and let capitalism do its thing.
Have a great weekend, y’all.

Simple example, but assume you had $100,000 invested in the S and P 500 at the peak of $6100, and you somehow, perfectly knew to sell your entire investment at that point. Assume 0 taxes and trading commissions to be generous.

You then miraculously hold out until the current bottom of $5074 and decide to put your $100,000 back in, feeling like a genius.

If the S and P 500 eventually recovers back to $6100, you made.... 20% extra return! Great. Let's not even consider potential dividends you missed out on by not being invested.

That is $20 000 extra you made out with. Sounds like a lot, but really, it's not. You are not going to become a millionaire or be able to retire early off of a maneuvor like this. You need to CONTINUE with absolute perfect market timing to keep compounding these returns over time. Each time, you need to correctly time your SELL and also your BUY back in.

The VAST majority of people cannot consistently do this and beat the benchmark over the long term. You might have a couple perfect trades, that give you some meager gains. But over the long term, you are going to mess up and miss time some HUGE gains by not being invested in the market. And all those taxes, trading commissions, and missed dividends we ignored during the single trade example, are sure as hell going to add up over the long term.

Consistently buy and hold for the long term. You don't need to stress and are likely to out perform 95% of market timers over a 20+ year period.

I am currently down 13.84% with a total of about 48k left into VOO. Unfortunately, I just started putting money in November (terrible timing I know) and while it did go up for a brief moment, the writing is on the wall for the direction we are headed. The only way I see this getting better is if Trump rolls back or reduces the tariffs, or if countries start dropping tariffs. We already know China is matching us and not backing down. I fear we are in for more bad news, and with all the uncertainty in the market right now, any bad news can send us spiraling even more. With 6 trillion wiped out in 2 days, I feel like this is historically bad and it’s being manufactured by the orange man in the White House. I wouldn’t be surprised to see us -3% pre market on Monday with all negative sentiment going on right now. With that being said, I am debating on taking out about 22k to tax loss harvest the maximum 3k loss. I don’t plan on moving out completely (although part of me wishes I already did), but that amount would at least let me claim a 3k loss. I know market sentiment can flip at the drop of a hat, so I would still have money in the market. What are your opinions on this? For context, I will be 38 next month and have a long time horizon.

You lose less during crises but gain less in the long term(second chart). So if you don't like much volatility SCHD is a good pick. Also it pays dividends, about 4% dividend yield a year.

I'm buying heavy on Monday, Make money when there is blood in the street.

Are these the two that I should be investing in right now ? I’m new to this and want to be sure this is it.

I have about $50,000 that I’m willing to invest.

What are some strategies for dealing with losses and fear of economic uncertainty? I feel like this is a historic time and something we have not seen before, which makes me uneasy. I have a long timeline and am only 37 years old, but there is still an uneasy feeling and a level of uncertainty that is certainly not comfortable. What are doing in these difficult times? Is anyone selling for a loss?

Edit: down now 13%+

Just a thought..i check the SP 500 for a general gauge

Just curious what everyone's thinking.

If you’re a true long-term investor, now is the time to buy. And if the bottom hasn’t hit yet, continue investing regularly. While many are panicking in situations like this, seasoned investors are actually taking advantage of the opportunity.

If you are DCAing in the current market what are you buying?

Seeing a lot of threads here about the markets. Any advice on potential investment strategies given the current state of things? I moved over 401k funds recently from a prev employer to a rollover IRA and now have the cash to invest. Given most ETFs are in a dip, I’m looking to invest in a combination of VTI, VXUS and SCHG. Could I add anything else?

During a 40 year old timespan, do yall think ETFs like VTI and VOO will just be strong? The US economy is currently drifting apart, as a result of the new tariffs. The market is experiencing new lows. Is this just a blip, or possible uncrowning of the United Stares as a world power. Other countries are starting to get off the US. Things look bleak if Trump doesn’t change the tariffs.

Hey everyone! I’m in my early 20s and recently started learning about investing. I currently have around $5,000 that I don’t need anytime soon and would like to invest with a long-term horizon (10–20+ years).

I’ve been reading, watching videos, and following discussions to better understand how to approach things.

Given the recent market dip, I was wondering if it might actually be a good opportunity to start now, even though there could be more downside in the short term. Since I have time on my side, my plan is to invest the full €5,000 up front, and then keep adding gradually over time whenever I can, basically a kind of DCA (dollar-cost averaging).

Because the starting amount isn’t huge, I think it makes more sense to keep it simple and go all in on a single, highly diversified ETF rather than splitting across many. I’m currently leaning toward something like VWCE, even though I know it’s heavily exposed to the US market. Still, for a passive, long-term approach, it seems like a solid option.

Any advice is welcome, even if it’s recommending individual stocks or other ETFs—happy to hear any suggestions or alternatives!

Would love to hear your thoughts or any suggestions.

Thanks in advance!

53 yrs old. I’m about 1/3 cash. Around 90k. Each day after extended hours close, I look at the prices of ITOT, VXUS, VONG. I subtract 3% from each price, and put in a day+extended limit order for each. Usually somewhere between $500-$1000 each. I plan to do this until my allocations are where I want them (I’m sure I’ll fill up my VONG allocation before the other two). I also hold bonds, VTV , and gold, but they’re already where I want them to be. Opinions on this 3% plan?

The absolute worst thing to do during a market downturn is often to sell out of fear.

Selling after a significant drop locks in your losses and means you won’t benefit from any potential market recovery.

Have a Long-Term Perspective. Historically, markets have always recovered from downturns.

Do Not Panic Sell. Stop Checking Portfolio Constantly. Maintain Perspective. Continue investing regularly (DCA) if possible

Everyday I see someone asking here if they should buy the dip and overwhelmingly the answers are to keep DCA regardless of market, or that they’re lucky to get a discount right now. Asking genuinely, is no one here concerned about the possibility of this ruining the market for many years, especially since the relationships we have around the world have now at the least been damaged for some time? This situation doesn’t seem so easy to come back from

Given the potential for a 7 layer dip that keeps on dipping and a slow return back, wondering thoughts on which one to dca into taxable acc with extra savings. Ty in advance