r/ETFs • u/Silent_Storage7341 • 2d ago
How is everyone coping / dealing with this historic 2 day loss? I was unfortunate to lump sum and aggressively invest into VOO starting in Nov 2024 and am now down 12%
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%+
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u/therealjerseytom 2d ago
I'm hanging out on my deck in the sun, eating a sandwich and having a beer. Nice day out.
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u/Lodi0831 2d ago
What kind of beer?
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u/therealjerseytom 2d ago
Founder's All Day IPA
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u/Non_Silent_Observer 2d ago
You really can just pound those back all day and not get the traditional horrible ipa hangover. They really got the formula right on that one.
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u/hoostenbeebes 1d ago
Grab Liz, go to the Winchester, have a nice cold pint, and wait for all of this to blow over
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u/Own-Development7059 2d ago
I’m going to work out until my arms bleed and then I’m going to get mind numbingly high tonight
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u/Maleficent_Cash8 2d ago
When in doubt, working out and getting mind numbingly high is always the right answer
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u/MetroidDime 2d ago
Check out JL Collins "Simple Path To Wealth" if you have time. The gist is that there will always be rollercoasters like this and you'll feel the panic. Do your best to accept that this has always happened. Continue your strategy of DCA or however you're going about it. If you need to adjust, fine, but stay the course. Remember that if the market crashes to the point of no return, your problems are no longer about money.
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u/Disastrous-Worth-329 2d ago
In my 50 years of investing I haven’t seen anything like this. A single person has crashed the stock market, creating massive inflation, and ruining the economy. Unless he changes dramatically, be ready for years of pain.
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u/I_Always_3_putt 2d ago
And in 30 years when I retire this will all be just a tiny little blimp in history.
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u/maceman10006 2d ago
Remindme! 30 years
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u/RemindMeBot 2d ago edited 19h ago
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u/Warriorsfan99 2d ago
You dont know that, could be another lost decadeS, anything can happen...the past does not tell the future
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u/GearsGrinding 2d ago
> Unless he changes dramatically
This would require the one person having an ounce of humility, self-awareness, and willingness to admit a mistake/fault. These sound like the traits of the person we're talking about?
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u/NazasDad 2d ago
If you invested in Nov 24 to pull out in April 25 then I bet you’re feeling uneasy, but something tells me at 37 years of age you aren’t planning to retire tomorrow. Relax brother. The S&P is probably going to dip again in the future and then you’ll be the one on reddit telling new investors not to worry and stay the course.
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u/nuggetynicknack 1d ago
I read this in the voice of a 55+ y/o because of the use of the word “brother”
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u/Eric-who 2d ago
I just wish i had more free cash to take advantage of these cheaper prices
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u/jroopwk 2d ago
They are only going to get cheaper.
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u/cameron0511 2d ago
I’ve definitely caught some knives, I was too gutty to jump into Amazon under $190 now we’re at $170 lmao
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u/bobsbitchtitz 2d ago
Just keep buying in smaller amounts on your usual cadence. Buying only when it’s at ATH is dumb
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u/WestCoastValleyGirl 2d ago
I am usually ready for these types of days as buying opportunities however today I'm hesitating. Not sure why.
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u/Ok_Choice_3228 2d ago
Because it's just the beginning
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u/ek9cusco 2d ago
I feel the same too… it hasn’t bottomed out yet. Sucks for those retired or about to retire though
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u/Alarmed-Shape5034 2d ago edited 2d ago
I’m upping my 401k contributions because I’m so bummed over lump summing $14k in March into my Roth IRA. Trying to get my averages down. I’m not sure whether this is recommended but I have a huge emergency fund (relative to my expenses) so I figure it’s unlikely to hurt.
Edit: no way I’m selling now but I did take a $280 loss in February to diversify away from the US stock market. Moved from 100% VOO to VT, which I take as an inexpensive lesson. I should have been more diversified anyway as I don’t personally want to bet on strictly the US. I’d probably be freaked out a lot more had I not done that.
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u/Jaeger716 2d ago
How are you putting 14k into your roth? I thought it was 7k limit?
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u/Alarmed-Shape5034 2d ago
You can contribute for 2024 and 2025 at the same time if it’s before the 2024 tax deadline and after January 1st 2025.
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u/East_Professional385 2d ago
Hold the line. When in doubt, zoom out. If you don't need the money then just stay calm. Markets rise and fall.
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u/cameron0511 2d ago
I’m down 2.5k this year. But it’s mostly in VOO and mag 7 stocks (no tsla) so I’m chilling.
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u/SamplePop 2d ago
You bought ETFs. Stop complaining and stop looking at your portfolio. The whole point of ETFs is just to ride the wave. Get your dividends pay and out don't sell.
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u/podaporamboku 2d ago
It’s fucked but I still have cash so DCAing in.
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u/Large-Science-8599 1d ago
Verify your ID to Robin Hood. How can you have $ 2.5 million without even verified ID?
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u/lilinoe67 2d ago
It's nerve wracking but you haven't actually lost m9ney unless you sell
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u/0rionis 2d ago
I'll never understand this reasoning. Whether you sell or don't sell, your net worth still fluctuates. If a stock goes up +10% people consider themselves 10% richer, but if it goes down -10% they make themselves believe its not a loss.
It is a loss. He would be 10% richer today if he hadn't bought when he did.
I'm not advocating for market timing, but this always seemed like cognitive dissonance to me.
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u/tosS_ita 2d ago
I always say “you haven’t made money unless you sell”. Which is partially true, but the reality is that you can borrow money against your stocks… so when it goes down is not the same as when it goes up.
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u/Weak_Fee9865 2d ago
There is no dissonance, because people should not consider themselves 10% richer either. There is no actual gain or loss until you sell.
My personal suggestion to address OP’s concern would be: don’t even check your portfolio valuation. If you are not planning to sell any time soon, don’t even log in to your account to look your balance.
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u/jroopwk 2d ago
If I didn't sell 2 days ago I would of lost 50k Im glad I watch it.
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u/bobsbitchtitz 2d ago
My best performing accounts are the ones where I bought and just left it for years. Gained 300x while the ones I actively managed have lost 50%.
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u/ghostmaster645 2d ago
Ehh I don't consider 10% gains until I sell either.
I technically won't have any gains until I cash out and retire.
Hopefully I won't be in the red by then.....
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u/pro_magnum 2d ago
Yeah this whole "you haven't lost money unless you sell" is bullshit. Those of us who grew up poor know the gut punch feeling when you see you're losing $500.
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u/PriorAlbatross7208 2d ago
If losing $500 is going to gut punch you then I’m not sure this is for you. You haven’t lost money because you haven’t realized the loss. If you hold 10+ years your more than likely to be in the profit zone. And if you’re buying consistently through the growths and dips you’ll be even better
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u/deadmancaulking 2d ago
It is not bullshit. You haven’t lost money until you sell because you own the asset, once you sell the gain/loss is realized. The asset fluctuates in value, and if you’re feeling hurt over losing $500 you need to leave the market immediately and buy bonds.
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u/only_fun_topics 2d ago
But you haven’t lost anything. You still hold the underlying asset.
The problem is that there is less demand for it. #DiamondHands
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u/strugglebusses 2d ago
It's just words to make the idiots feel better. What you wrote is 100% correct.
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u/Particular-Aioli9803 2d ago
Its semantics. You own market assets that are less valuable now than when you purchased them.
Call them market assets or call them money it doesn't matter, today you have less value to work until that changes.
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u/MiskatonicAcademia 2d ago
The writing was on the wall that Trump, and Trump Tariffs, were going to be a disaster for everyone, perhaps especially the retail investor.
This is one of the clearest “time the market” moment even an average investor would realize.
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u/Toastx3 2d ago
Every one saw this coming. The issue, is every one who SOLD now needs to time the market a second time, and get back in at the right time. The vast majority of people are going to enter the market again and miss a big portion of the bull run that will follow.
Remember, missing just 10 of the best days brings you’re better gains down drastically
This is why time in > timing
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u/MiskatonicAcademia 2d ago
I mean, we have a pretty wide margin of error for timing a return to market this time around if it goes down as much as everyone thinks it will. And a pretty clear indicator when the market may be poised to recover: when Trump is removed from any capacity to decide on anything remotely resembling anything of importance.
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u/Toastx3 2d ago
Do we? Do we really?
Can you explain why no body recommends timing the market > time in the market?
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u/No-Caterpillar-7646 2d ago
Because its been a while since someone did something this stupid with announcement.
The rules is only true when you cant really know when to buy and sell.
This one was easy to tell.
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u/Sheerbucket 1d ago
Because the us has never had an event where a single person destroyed the market and told us what day it is? Goes against the common sense financial advice is based around
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u/thewonderfulpooper 2d ago
I sold when my s and p tracker etf was just below the ATH. As long as I buy back in anytime before it hits that ATH how am I at a loss?
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u/MiskatonicAcademia 2d ago
Exactly. There’s such a wide margin of error for when to get back if the drop will be as big as we all think, and a pretty clear north star when things might improve: Trump and Trump- acolytes gone from any meaningful decision making capacity.
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u/thewonderfulpooper 2d ago
Or if/when he lifts tariffs and IF other countries make agreements with him again. Big if on the second one there
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u/nicolas_06 5h ago
What if Vance get elected in 2028, you'll wait for 2033 to be back In the market and by then the SP5000 might be at 10-15K instead of 5-6K... This is exactly how people lose 5-10 years of investments.
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u/Jerrell123 2d ago
Because the market could very easily dip farther from when you buy. There’s no way to know when a recovery actually starts, or if you just bought into a dead cat bounce.
If you sold Dec ‘21 and bought March ‘22, at what appeared to be the start of the recovery, you wouldn’t break even until April of ‘23.
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u/_____gandalf 2d ago
Selling stocks 2 day ago and rebuying them even today would already put you above those who are still holding no matter what happens in the future. Your argument doesn't make any sense.
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u/Toastx3 2d ago
And then it drops another 5-30%? Or however much the bear market lasts?
If timing the market was so easy, don’t you think the recommendation would be timing > time in?
Even Ben Felix mentioned timing the market isn’t the play, he discussed this on the wealthy barber pod cast
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u/_____gandalf 2d ago
If you had sold your stocks 2 days ago and rebought it today, there are 2 scenarios:
You buy as many shares as you had previously at a lower price. This means that even if a stock keeps dropping you already saved some money.
You reinvest all the money you got from selling. In this scenario, sure, there is a remote possibility you will do just as bad as a person holding, but more likely scenario is that in long term you will come ahead solely because now you own more shares for the same net investment.
Timing the market doesn't work for everyday fluctuations and minor economical and political events. However, when Trump announced tariffs for the whole world, it was a guaranteed that the market will crash, thus selling was an intelligent decision.
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u/gizmole 2d ago
But you would pay taxes selling if it was in a taxable account
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u/_____gandalf 1d ago
By the way, just for curiosity, I did the math to see if my intuition was correct.
Assuming your government is ripping you off at 40% capital gain tax, in almost all cases selling the stock and buying after a drop is still more profitable. In short, if you know that a stock will drop more than 5%, sell the stock and rebuy it after the 5% drop.
Exceptions are for those whose stocks are 150% or more in the green. In those cases it is more nuanced.
For those who live in civilized countries with 15% capital tax, knowledge of even 8% drop should be an instant sell in 99.99% cases.
I didn't factor in some edge cases with dividends, but those are mostly irrelevant.
I should probably charge a premium for this information.
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u/MiskatonicAcademia 2d ago
I mean, why do you think the market is going down? It’s a sell off. People are timing the market by jumping ship now and literally selling their stocks. It is not only the recommendation— it’s what’s happening in real time.
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u/Ron_Karkovice 2d ago
Yeah I'm an idiot and even I knew to go cash a week ago.
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u/PollenBasket 2d ago
I went mostly to cash then bought all kinds of bargains
Now I wish I had kept holding the cash
But who has a crystal ball?
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u/Reasonable-Bend-9344 2d ago
Most of us are down, many for the first time. Theres 2 absolute truths about investing: Every downturn people say "this one will be historic" and every time the market recovers. It's a marathon not a sprint. It'll be ok, just stay the course.
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u/sunburn74 2d ago
Down almost nothing. I sold 90%+ of my stocks into US treasury bonds in Jan at the first hints of tariffs. When he put 25% tariffs on mexico/canada and pulled them, I decided things were going downhill and got out. Great decision.
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u/Cl4p-Trap18 2d ago
My whole portfolio is down 13% and the DCA side Portfolio started this year is down 6% so you are not alone just hang in there, don't even look at it.
Apathy is your best friend right now.
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u/lanman33 2d ago
I lump summed at the bottom of Covid, at the bottom in Dec 2022, and at the peak this past winter. It’s averaged out and I’m just keeping the long term perspective, 30+ year horizon
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u/Capable-Commission-3 2d ago
Really hating my dumbass Republican friends and neighbors
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u/LegitimateSpace8903 2d ago
I moved broker in January. Invested sum looks like lump sum due to the switch. Down 25% in a couple of weeks. I mustn’t liquidate the losses, I know, but damn man, this looks shit.
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u/bezchlebika 2d ago
Man im in the same boat as you and i feel horrible. Inheritated some money from my father and put it all in ETFs in January. Losing 10k over in few days is no joke i have to tell you.
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u/UnderstandingLess156 2d ago
You're not down unless you sell and lock in those loses.
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u/edub727 2d ago
You're fine. It will all be fine. You're in it for the long term, not the short term. Continue investing. Everything is on sale now. You will buy up more and come out ahead in the end. We have seen this before and much worse.
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u/daily_spiderman 2d ago
You mean we have seen stock market losses worse than this… we have not seen an administration plummet the stock market in a way that was so clearly avoidable and had no clear or logical reasoning for doing so.
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u/Katarn_retcon 2d ago
Everything is always 'this time is different'. I was betting on incompetence and not outright intentionally destroying the market, so yes, I had the wrong bingo card.
I believe at some point adults will regain control of the economy (country?), and the market will do what it does.
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u/daily_spiderman 2d ago
Well I hope adults can regain control someday. I can’t say I’m optimistic about it when Trump teases things like having a third term
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u/moviecats 2d ago
Midterms are coming. Hopefully he will lose his majority in congress and then that’ll never even be a remote possibility 🙏.
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u/monadicperception 2d ago
I think this is a terrible take. A thriving economy isn’t necessary for high equity prices, but not sure how you get high equity prices with a knee capped economy.
The economy functions on policies…not sure how these policies will mean the economy will be doing well in at least the short and medium terms. And these policies aren’t minor; they are fundamentally changing our economy. Worse, we are damaging our international reputation that may have lasting consequences. Even worse, we are destabilizing global peace by threatening to leave NATO. Too many people underestimate the role that global peace (especially European peace) was for American economic prosperity.
Sorry, but your take is terrible. It has the flippancy that suggests to me that you probably voted for this buffoon causing all of this. As if you didn’t put a moment’s thought to how is policies would affect the economy. Just ignore and carry on? Yeah, this is why I’m not in this bloodbath. It was fucking obvious what was going to happen and why I exited at the peak of the market before all this mess.
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u/edub727 2d ago
Your assumption on my politics is wrong. I will continue to invest. I’m not concerned for long term.
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u/SnooTomatoes538 2d ago
The old phrase goes like this, “Don’t be sore, buy some more!!!”
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u/cameron0511 2d ago
Man, keep thinking google, Amazon and NVIDIA are at great discounts then they proceed to go down another 5% lmao
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u/Beginning_Cap_7097 2d ago
I can't afford to sell or to buy. Currently building my 6 month of emergency fund 😅
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u/Extension-Log-3951 2d ago
I was building up mine too but it’s too good an opportunity not to buy right now. I ended up moving some money around.
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u/Snr_Wilson 2d ago
Just bought a bottle of Friday wine and a flapjack. I'll probably watch some 30 Rock later. My investments will continue to be weekly buys of 80/20 VTI/VXUS.
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u/ClassyReductionist 2d ago
I'll check my Schwab in 10 years or so, for now I'm buying two Kubota track loaders on a ZIRP loan they giving me so I can show loss in 2025 and not pay income tax. I've got jobs lined up for next year or two so I'll put them to work. Not selling any of my VOO, NVDA, VT but I am suspending my DCA contributions until we get a better handle on whether there will be a recession. I'll wait for it to bottom out before I resume that stuff.
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u/Ragnoid 2d ago edited 2d ago
Oh just the usual lately of watching my [leveraged inverse ETF] prediction come true without me because I flinched early in the trade and sold off right before my prediction came true. I keep taking -5% to -10% losses when my predictions would have made +30% to +40% per trade had I stayed in the trade. I'm new to trading (120 days). It's just really frustrating.
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u/No_Acanthocephala944 2d ago
It was pretty clear this was coming if you follow the news even from the sidelines. Should have hedged the exposure.
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u/BobLemmo 2d ago
Feeling pretty darn good. I stayed away from the peak of VOO around $560 a share. Then I saw it dropping from 550-540 to 530s etc. I sticked with my research and knowledge and prediction that this was going to drop under $500 a share before anyone seen it coming. People hated and doubted me. ( check my post history). Now VOO is $470 a share and will continue to drop and I’m just about to begin my DCA downwards. All I gotta say is hell yeah! I dodged a bullet and getting it way cheaper.
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u/Gullible-Tie7535 2d ago
Bang on pal👌, your name should be Warren Buffet being able to predict all that, if only we all had that level of knowledge just like yourself, we would all be millionaires. To the moon soon 🚀🚀🚀
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u/Due-System7508 2d ago
To be honest with you, I’m nervous also when I’m down about 10% with VTI. But I put my emotion out and knowing that in the long run it will go back up. But it’s tough with all these tariffs bs. Good luck and just DCA.
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u/HolaMolaBola 2d ago
At some future date you will be sitting on gains instead, and the spectre of having to pay cap-gains tax may hinder you from pressing the button to sell. It's easier to sell when there is no tax to pay!
So to set yourself up for the future, take advantage of today. If your losses are in a taxable account take those losses now and switch investment horses. You're in the ETF group and doing this with ETFs is easy. Much easier than with individual stocks. Only, at the very, very least just be sure the new ETF you switch to does NOT follow the same index as the old ETF.
I just sold US small cap minutes ago and captured a loss today that I can carry forward into future years. I sold IJR which follows the S&P Small-cap 600 Index and got into IWM instead (follows the Russell 2000).
Good luck to you and GLTA
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u/gingerpantman 2d ago
I started investing at the all time highs! 10k lumped in so it doesn't look great BUT: I planned to invest for at least 10/15 years (im 38) I'm aware the market can go up and down The market being down means I'm buying more shares each month I have my safety net of 6 months. In an ideal world, you would want some kinda crash nearer the beginning of your investment journey rather then the end!
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u/Odd-Astronomer-7969 2d ago
Who cares? If you aren’t retiring now or in 5 years, this is great. Why would you want to buy at an all time high? You can buy at a UGE discount. BTFD and carry on
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u/-ExodiaObliterate- 2d ago
I started investing like a year before the COVID crash. Saw my portfolio tank, then saw it recover, then drop, then recover, now it's tanking again.
And guess what? I'm still up ~15% overall in my portfolio. The market goes up and down. I just see this week and following weeks as a sale and opportunity for me to buy in even more 🤷🏻♂️
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u/Cajun_87 2d ago
I think it’s a beautiful opportunity to rocket my net worth. Bear markets provide massive upsides in the long run. Loving every second of this.
Learn to love the bear market.
The Covid crash 4xed my net worth. Hoping to do the same this time around. Just keep eyes open for opportunities
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u/nnahorski 2d ago
Buckle up. It’s going to get far worse before it gets better— maybe — gets better.
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u/JoeTheFisherman23 2d ago
I increased my 401K contributions and bought some SCHG and ITOT as well...Buy when there's blood in the streets! I know this hurts but I do believe it'll be fine, maybe it takes a few years, but it will be ok eventually. My plan really hasn't changed, just keep buying. That's just me though!
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u/EloquentMrE 2d ago
I spent $100,000 on VFV in mid Febuary 2025 ... kicking myself now. I accept that I made a mistake and I'm glad that i didn't invest the rest at that time. I'm sitting back on cash right now and waiting for things to drop more (because it will), and then I can mitigate my mistake. I'm holding for the long term because I'm an investor, not a panic seller.
Ride the wave ... statistically, it'll last less than 18 months if it's a recession. I am planning for stagflation, though.
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u/Crazy_Donkies 2d ago
In my trading account: Up about 20% from my ATH. 25% from 12/31. Writing was on the wall months ago.
Retirements, in mostly funds: Down 10%.
Net even.
Learned a valuable lesson: Many in reddit only know how to make money in bull markets. Far too many people looking at too few metrics with limited backgrounds. I call it fishing memories. People fish the same spot every time because the fish were there a few times. In reality fish move with the weather, time of the year. I worry innocent people lost money due to this bad advice.
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u/spicyboi0909 2d ago
The $1000 dollars of cash I keep in my safe is fine but everything else is fucked. I am tax loss harvesting out of individual stocks and into ETFs, reading my IPS both days and just reminding myself don’t fucking tinker or panic
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u/Majestic_Republic_45 2d ago
Hold your nose, don't check your phone every day and buy some of these great deals on the Mag 7. I have buying this all the way down. Wish I would have waiting one more day, but that's alright. I am buying more tonight and Monday. Once I am out of fresh cash, sit and wait.
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u/kriserts 13h ago
A friend of mine said, if this is freaking you out, you shouldn't be in stocks, period. I have a few blog posts bookmarked from "A Wealth of Common Sense." I read them every time the market tanks--because it always tanks. I read we have a bear market or drop like this on average every two years. You can expect even worse a few times a decade. So this isn't really a historic loss, it's happened before. What feels different is how self-inflicted it is. It's all due to one man's whims. I deal with it by having a couple years cash I can live off if I need to. (But wish I had more right now, ha ha.)
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u/mjrengaw 10h ago
I retired in 2014 at 55. I’m going to do the same thing I did during the Covid collapse…nothing. TBH I really don’t watch or concern myself with the daily/weekly/monthly market gyrations. I make sure my asset allocation is correct and chill. I always make sure I have living expenses for 1.5 to 2 years in cash equivalents anyway.
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u/yodamastertampa 2d ago
If it bothers you just sell half and put it into a HYSA. If you want to DCA a bit with the savings do it.
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u/JanGabionza 2d ago
My 470 limit order just got filled. Next limit order: 2 units at 420. Buckle up.
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u/1baller69 2d ago
I am just waiting locked and loaded. It is going to go down and stay down for a while
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u/diegomont809 2d ago
I'm 21 and just bought 3 more shares of VOO, I know this is only a small bump in the road but damn, it for sure makes you feel something
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u/monadicperception 2d ago
Dealing with it just fine (except for mourning the destruction of my country). I sold at the top in early Feb and stopped investing for a while now. Everyone should have seen this coming. I mean, it was obvious. You let a monkey fly the plane; what do you expect? In his first term, the monkey at least had some competent co-pilots. But that’s no longer the case now.
The very sands beneath our feet are shifting (have been shifting since the election) but many people seem to keep thinking that the usual advice works.
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u/BluesFlute 2d ago
Consider greater diversification. SCHJ is Schwab bond fund. 1-5 yr “Investment grade” 4 - 4.5 % div. It’s nice to own bonds. Big corporations have smart peeps that can navigate crisis. And pay their obligations.. BRK/B is on sale today too.
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u/Bulky_Consideration 2d ago
I sold 33% in March, so not at the high but not great. I bought back a little when it when down 5% from my sale price, and more today when it went down 10% from my sale price.
I’m going to probably buy on the way down at times. But tbh I expect things to get much worse so I’m not buying back in all at once.
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u/AwakenedSin 2d ago
I’m down 13% on ESGV. I cope by buying more when I can. Because this is for 10 years down the road. When we forget about this blimp. And stocks continue
I’m not concerned about the short term losses. They’ll become long term wins for me.
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u/Oreorgasm 2d ago
It is time to do your research and get good. There are other markets outside of US large caps that have not dropped as hard. Take a more active stance in your allocation management. No excuses play like a champion
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u/Weak_Fee9865 2d ago
If you are not planning to sell any time soon, don’t look at your portfolio valuation. Don’t even log into your account.
There is no use on looking at a theoretical value number and having an emotional response if it is not becoming real now.
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u/abandoned_idol 2d ago
The trick is to have money in cash to feel comfortable.
Only the excess gets invested and forgotten about until you're 60 years old.
Once you are close to 60 you have to be way more careful since you can't just "wait for it to come back up over decades".
As for the world events, denial is an amazing strategy for me.
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u/UncleTonysDRIP 2d ago
I'm pretending I am a time traveler. Going back in time to look at my portfolio in the past. 2022, 2021, 2020, here comes 2019! So much for early retirement. Also, why does the supposed 100 year black swan event hit my portfolio every 5 years????
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u/Powerful_Star9296 2d ago
I sold all of my growth in my taxable account and moved to income etfs. I’m down 12%, but it’s nice having those monthly dividends to DCA.
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u/Relative_Drop3216 2d ago
Im so excited these discounts are soooo good!!! Im adding some today no doubt.
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u/Travmuney 2d ago
Coping? I’m jumping for joy. Appreciate these wonderful discounts. Keep them coming. I got a lot of dry powder
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u/TheGreatKane 2d ago
You could harvest the loss and buy SWPPX (Schwab's S&P Fund) today. You just can't buy VOO back for 60 days or it voids the loss.
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u/HazardousHighStakes 2d ago
I sold at the top, locked in my profit, now I'm looking for an entry.
Feeling really good, ty for asking.
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u/Efficient-Owl869 2d ago
For more than a decade, I have bought, held and rebalanced to portfolio of index funds, with 40% bonds and 60% stocks. Today, I sold all my stock mutual funds. I now have 90% bonds and 10% real estate investment trusts.
I can't trust the president to straighten out this mess. It appears that he doesn't even know what a tariff is. Best to wait on the sidelines for a little bit
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u/Ahleron 2d ago
I'm up by about 30%, but I sold everything off shortly after that orange idiot took office. I've continued to track the projected difference if I had held on to my investments and it's worked out to be about that I'd -14% if I held until today. That's a difference of 44%. I expect the market will continue to fall for a while. I'm keeping close tabs on it so I can judge when I want to re-enter. Yes, I'm timing the market. Generally, you shouldn't time the market, but sometimes, when the signs are really painfully obvious, you absolutely should time the market.
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u/FunnBuddy 2d ago
I’m young. I’ll live through it. Unfortunate what is happening but at the same time, it’s time to buy in.
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u/meshreplacer 2d ago edited 2d ago
I am good because I saw the shitfest of the inauguration party and went and insured my portfolio. Not sure how people missed what was coming. I predicted we would have a massive recession and stagflation and it’s starting.
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u/Over_Reputation_8801 2d ago
OP, on your timeline, this is no factor. A buying opportunity. When stocks get low enough and fundamentals are sound (they already were), buyers should swoop in to take advantage of the sale, and that's what kick starts the recovery. While having an orange buffoon with the power and desire to destroy the world economy is new, and we never know what he might do, at some point he will hopefully be forced to make deals and pull back the tariffs/taxes. Then you'll see a recovery, and they always last longer and return more (significantly) than the drop. The coming (current) inflation spike should subside at that point as well.
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u/Disastrous-Worth-329 2d ago
Until this administration realize we are in a global economy and totally reverse their actions, things will only get worse
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u/abstractraj 2d ago
I moved a big chunk into bonds the day before the announcement. Thank goodness!
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u/AdministrativeBank86 2d ago
I got hammered in 2008, I just kept contributing to my 401K and started buying dividend stocks when I had money to spare. This debacle will take years to recover from
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u/TheCarroll11 2d ago
For the first time, I pulled all my money and went straight cash. I don’t have crazy amounts, but I feel validated since I just finished checking my former positions and I’ve saved myself another 4 or 5k today by dipping. I’m not even concerned about catching the very bottom, I just want a little stability.
It’s dropped so much I’ll be able to buy everything lower than I sold if I halfway pay attention.
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u/Cheap-Adeptness3184 2d ago
In vacation in Abu Dhabi right now lol woke up to my portfolio down 6% alone today and 10% all together. I kinda just bought a bit more as I’m DCA. It’s fine as I’m not overly leveraged. Only 10% of net worth is in stocks but adding more.
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u/Loud-Rule-9334 2d ago
The only solution is putting down your phone or closing your laptop and going outside.
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u/sconnick124 2d ago
One word: diversification.
Up until midday today, year over year, I was still up.
I'm finally in the red now, but the hit i take every day is only a fraction of what the major indices are bearing.
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u/PollenBasket 2d ago
The 10% I gamble stocks with? It's down so far today that I dare not sell. If things bounce back some tomorrow, I might sell the riskier ones like China tech. I will hang onto my gold ETF for sure. That has got to go up if this circus continues. Might keep my 2x inverse Tesla too. Up 18% today, Elon.
Retirement accounts? I don't care. Haven't even looked yet. Vanguard Target Retirement, mostly. It's nicely balanced with bonds and global and I know will return with time. I have about 20 years until retirement. I plunk a good portion of my paycheck into it each month and I haven't decided if I will keep contributing or wait on the side. Leaning towards SGOV at 4% for new contributions.
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u/wha2les 2d ago
I'm just changing my allocation in 401k.
and selectively investing in things historically cheap or relatively unaffected by the tariffs.
So GOOG, msft, NVDA as it approaches 52 week lows is something i buy.
I'm selling off positions i just started in discretionary and industrial... I might want to buy them, but i have no interest in building up a position i started in Nike as it plummets...
And i'm investing in fixed income a bit more.
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u/Fac-Si-Facis 2d ago
lol that sucks man, people say "timing the market" doesn't matter but it absolutely does, and you investing aggressively at all time highs right before a huge correction or recession will be something that affects your investment for decades, very likely. You could very easily not get your original sum back for a decade plus.
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u/toptierdegenerate 2d ago
Yeah, I’m an idiot and left everything in SMH. From my cost basis from 13 months ago, it went up to a high of 28.3% gain in July and down to a loss of 17.8% today. I blame myself for not moving it all. Luckily, I’m young-ish and don’t have many responsibilities. I have time to make it up. I feel for those who are older and have families to support.
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u/Pipeymims 2d ago
Sell voo, book the loss and buy spy .. same forward return but now you have a loss for taxes
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u/tobybells 2d ago edited 2d ago
I’m down about 200k in my company equity and also own a lot of NVDA, GOOG, and RDDT - 12% down would be a dream for me right now.
If this recovers I am one million percent taking my lesson learned and diversifying outside of just tech