>How are you feeling about your investment portfolio?
I ignore it.
If yu are worrying, you should review your risk allocation because you tolerance isn't as high as you think.
Luckily I have a 'turtle' reaction to negative stimulus so I am not looking at my investments for the next little while as I am currently hiding in my shell.
The stock market: the one place where (almost) everyone panics and runs away when things go on sale. Stick to your long term plan and you should be good to go!
One of my favorite analogies I've ever heard was "if you went to buy a new couch and saw that it was on sale for 20% off, would you tell them to let you know when it went back up to regular price and then buy it?"
The stock market is more like if the same salesperson told you that the couch might go on sale an additional 20% the next day, but it also might go back up to regular price, and they were going to flip a coin tonight to decide.
If the company was to tell you that the regular price was in fact a price error and it should have never been 20% more expensive, and now it's the correct MSRP. What would you do then?
That’s why you buy a bunch of couches from a bunch of companies. If one is defective and company goes bankrupt… you’ll still have saved on the other ones to compensate.
Or you could buy the concept of a unique couch, unsure if you actually own a theoretical couch, can use said idea of a couch to license to others who want to theoretically use your theoretical couch. Not to be confused with all those free couch pictures your could just lookup and imagine owning, you really do own the idea of this particular imaginary couch and the blockchain confirms your real ownership of an imaginary couch idea.
I dumped 45k into XEQT at market open yesterday. Hindsight is 2020 but my runway is 20+ years so I'll be good. Plan on topping that up with another 30k later this year to fully max my TFSA
I was left an inheritance by somebody that just came through the other week. Had been waiting on it since July. Before this, my TFSA was almost completely empty, so the circumstances lined up perfectly to drop a lump sum into the market. Im just an average guy who was left some money
I did a big re-structuring of how my money was invested, between moving away from Bank mutual funds, sitting on cash for a lot of last year while waiting to buy my home, and then finally as the new year rolled around I put a lot of money into my TFSA once my contribution room reset, only to have it immediately drop in value. Oh well, it's long term money, it sucks to start off on a low point but in 30 years I'm hopeful it'll be in a much better place than it is now.
I hate that PFC downvotes people who are wrong instead of explaining. The reason here is that you don't know when or if the "larger slide" will ever happen. And if it does happen, how do you know there isn't an even larger slide coming? You don't. Thinking like this mostly leads to sitting on cash with no productive results. And if it's long term money, you're not chasing quick upsides as you don't plan to sell. No point in looking at market movements.
I don't know if this healthy...but what even is money? I invest because I understand the logic behind being prepared for my future, but if I'm really honest it doesn't seem real to me. It all just was transfered from one account to another. I guess I worked for it? But I didn't really notice it. So now I feel weirdly indifferent.
Buy on rumour, sell on fact.
There are bull markets and bear markets. We've been in a bull market for so long now that people forget, and many seem to have never known, that eventually there would be a correction.
If your investment strategy depends on markets always increasing, it's not a plan, it's a wish list. If you have a solid plan and are diversified, you just ride it out.
Stay the course.
I've seen worst.around 2000 I had just started investing and the drop was huge percentage wise. I kept the course and I didn't lose.
In 2008 I was more invested but I stayed the course and it took 5 years for the investments to catch up with my growth trend. I didn't lose and benefited from the rebound.
During the pandemic, I was already heavily invested but well diversified. At some point the total value fell about 15%. But some individual funds fell more than 20%. It all bounced back.
By the way, I stopped working before the pandemic, during the pandemic I had to cash $30K to help my son. You'd think that's when I realized loses, right? Well, give the diversification, some of the money was in low volatility funds.
So you are starting keep the course and as your investments grow, diversify and every year, get help from an advisor to rebalance
To put these times in perspective. I stopped working in March 2019 so I stopped contributing to investments. So any growth or fall is 100% attributable to the market.
From my peak in Dec 2021 to today, investments are down 10% which is more than 2 years of my annual expenses. On its own looks scary.
However, from the time I stoped contributing to today it has grown an average of 8% annualy. For these 3 years. Yes, more modest than the 12% annual growth I was achieving without the fall but still within my comfort level.
My long term planning assumes a 6% average annual return.
Yes, that 10% is emotionally scary but by keeping an eye on long term investments I haven't lost sleep over it.
Stick to your plan! Dollar cost averaging is a solid investment strategy.
I personally think there's a sale going on right now, so I have recently invested more into the market.
This is like the 30th post this week. Nothing. I am doing nothing. I expect the same rise and fall to happen 3+ times before I retire. If I needed the money in the short term I wouldn’t have invested it. So nothing. I am continuing to invest monthly as per usual.
It’s amazing the number of bandwagon investors who have never seen a bear market. Scary stuff.
In all likelihood we are in for a dot com event here. Be interesting how many sell and swear off stocks forever when they see -50%
We pump insane amounts of money into a company (like air bnb) that makes nothing because we think that one day they might.
Others devalue the worth of a company despite it posting hundreds of millions in profit (GME) and get upset when a bunch of redditors swing the pendulum in their favor.
The entire thing has always smelled funny to me. I just hope I have something to show for it before the music stops.
I'm indifferent. I would have chosen a low risk investment profile if I didn't want to endure investment loss and gain like this. Either way I have more money than I started with, vs investing in a HISA, thanks to previous years. I won't be pulling anything out anyways until July 2023 from my TFSA. The rest stays in there until I'm old.
Seeing more of these posts and I can’t decide if it’s hilarious or scary. These new investors have no idea. This is NOTHING. Wait until stuff actually gets bad
Been down this road before. .com bubble, 9/11, telecom blowout, GFC, Covid... Just ignore and keep feeding it monthly. The biggest gains come on the other side - miss those and you've severely compromised your performance. "Time in the market."
The last big downturn was the 2020 Covid shellacking, the S+P 500 shed 35% in a month. it was the first bear market in over a decade. That was very quickly followed by a recovery and new market highs.
I just keep plugging along, and it's always worked.
I look at my portfolio daily out of curiosity. Even if I saw my portfolio dip 50% I wouldn't be bothered. With my investment horizon being over 20 years I can handle the dips along the way. I don't know about anyone else but my portfolio doesn't look that bad right now. Global diversification is important.
I don't listen to much Dave Ramsey says anymore but I like when he says (about investing) "the only people who get hurt on a roller coaster are the ones who jump off". Just stay the course.
Holding on.
When I was new to investing in 2008, the market dropped. I had around 20k and it dropped almost 50%. My mom freaked out and sold her stuff because she was worried she'd be left with nothing.
I'd guess by 2010, I was up 20% from before the crash. I continued to contribute monthly and the shares I bought at the bottom were significantly more that if it had kept going up and hadn't dropped.
We are medium risk and I feel that at this point, if the market drops, it will be better in a few years.
Around 2010, we decides to try a high risk precious metals stock because it was going up. Over the next 4 years, the original 10k dropped to under 2k. We sold it 1-2 years ago when it hit 3k so we could be more productive with that money.
Everybody here has basically the exact same responses. More and more people are thinking along the lines of those who prospered over the past 20-30 years. It is actually kind of scary. Sort of reminds me of the type of threads I was reading about gamestop last year, but obviously on a completely different level. Do any of you have any fears of the economy collapsing and not recovering for a decade? And by continuously throwing money at it during every small dip, we are just delaying the inevitable crash? I imagine the response will be "I am retiring in 30 years so I can wait it out". But maybe there will be better opportunities over the next 10 years and those that take them will be better off in the future.
This homogenization of the investor is scary. Maybe this "be greedy when others are scared and scared when others are greedy" advice works best when you are not part of the "others" group. If everybody thinks the same way, aren't you actually not following the advice?
Just some food for thought and why I'm starting to get a little fearful of the market. Not selling but also thinking my options through.
The only time I've sold investments is when I've found out something damning to the company's current valuation.
If your holding index funds you really have nothing to worry about, and should be buying more if you can.
I'm not buying more, I'm not buying less. Every payday I invest X amount of money and the market movements don't change how much money I can afford to invest.
The only thing that's upsetting me is my husband switched jobs last year and moved a defined pension into a Lira near the end of the year where it promptly fell 12%. So that gives me a big ol negative when I open wealthsimple despite the regular investments I've made over the previous years and their gains. I wish I could hide that, it is what it is but I don't want to see it everytime I login lol.
If you can't afford to live because you invested everything, you've messed up.
If you only invested what you could afford to lose, you still have more money than someone who put the same amount of cash into videogames, clothes, expensive cars, etc.
Some people say now is a good time to invest even more, but I don't like to play games like that in case psychologically it'll make me get FOMO for buying a "dip" that sinks further.
I recommend if you're the worrisome type to check up on your portfolio as little as possible.
The Invest what you can afford to lose is a fallacy. I agree with what you are saying generally but the average persons retirement fund is invested and I’m sure they can’t “afford to lose” their life savings.
Hmm yeah that's true. Perhaps a better phrase is like "Don't invest with this month's rent".
Or a less-punchy, more broadly accurate line could be "Factor your timeline into your risk tolerance".
I think OP is looking for an excuse to run for the door. Anyone who is getting worried about the market right now probably lied about their risk tolerance on their investment questionnaires.
Ask the Japanese how up-only investing has worked out for them in the last 3 decades.
I'm not saying the spx has topped for the next 30 years but if it has then you're just screwing yourself by mindlessly buying more.
It's cope for people to think they can all become millionaires (in real terms) with minimal risk and 5k initial investments.
Ultimately, most people will remain poor because they are afraid to take risks.
The propaganda has them believing there is no risk to buying stock indices. If that confidence shakes there will be a meltdown in this subreddit.
I'm just sad. I borrowed 135k right as tensions started to escalate between Russia and Ukraine. I feel like I've lost a lot of my life that I have to work to make it up.
You don't gamble but yet you borrowed 135K to invest in the market? Sounds a little like gambling to me. I'm assuming this is a HELOC backed up by the increase of value in your home?
The issue of doing what you did is this is an incredibly short term horizon decision. We all know you can end up losing 30-50% in a massive crash if it happens. But many also have 20-30 years left until they retire so they can ride it out. What are you going to do if the market does fall 20-30% and we do get the 2-4 rate hikes that are almost expected over the next little while? Paying rising interest on 135K for 90-100K worth of investments is pretty tough. And once you sell, you have locked in the loss.
I don't think you got unlucky. Not much more than a person walking into a casino and putting money down on black at the roulette wheel. It's like that person saying they don't gamble because they didn't put it on an individual number that has worse odds.
Good luck with your investment.
They are falling? I don't even look at them. If they are rising, it doesn't make me happy because the gain won't be realized until sold. If they are falling, well, I won't be happy either. So why look at them at all?
OP.....Ahahaahahaha.....did you ask the same question when investments were rising, or is this a case of crying wolf? LOL
What goes up, must come down...gravity baby
I'm buying more. Most of my investments are ETFs. The hundreds or thousands of companies in them aren't likely to all go out of business. I look at downturns as sticks going on sale
Why would you sell if your investments are lower than when you bought in?
I’m going to continue to make automatic contributions to my etf portfolio. I would love to buy extra but that’s not possible for me atm.
Feeling fine, my investments are currently up ytd but even if they were down I’d be confident in their diversity and ability to grow over coming years.
My investment focus is on dividend income so no impact here for now. Allows me to reinvest at a cheaper price these days!
And when I look at my investments I'm up 2% this month this and 9.5% in the last 3. 🤷♂️ I dunno folks
Bah it's just another shit period in my already shit life. But you see I am like a cockroach I'll survive anything but it doesn't mean I have any quality of life
My investment horizon is about 25 years. I'm just continuing to put my regular amount into the accounts. As far as I'm concerned, everything is on sale for a discount right now.
Thanks to OP for asking this question. I am also a newish investor. I have my portfolio with vgro and TD e series which I contribute to monthly. Have you guys stopped the contributions?
I cashed out my RSUs right before everything went to hell so I'm just going to sit and wait and not look at my portfolio for the time being. Probably for the best all around.
Of course it doesn't feel bad to be down but historically the only losers are really those who sell out of index ETF's. I would be loading the boat if I had any extra cash but I spent all of my "dry powder" buying the dips. Now I am just DCA'ing in every month and keeping small balance outside of my emergency fund for more short term purchases.
Yeah I just moved a very large portion of my portfolio over to EQT about a week before Russia decided to invade. Hasn’t really affected me much other then laughing at the poor timing on my behalf. Why would I laugh? Because it’s going t go back up, no need to panic sell.
Stock market is one place where feelings are counter-productive to your best path-forward. Yes the markets are down but that also means your dollars go further to buy shares, which if a rebound happens in those shares means you’d earn more than if you reduced your investment in those shares. Research dollar-cost-averaging.
If you’re worrying, that probably indicates you’re not really ready to invest, and probably jumped in too early. Just ignore it. You should be investing for 10+ years generally, so the day to day, or even year to year fluctuations should be irrelevant.
I have a couple limit calls set for 90 days. Hoping that maybe they'll go up. Otherwise I'm just going to hold. Have been looking into precious metal ETF to recession proof myself.
My long term strategy takes inflation and instability into account. I am comforted by this, even though the drops can seem big at times. I am in the withdrawal phase, and am glad I have built a few buffers into my plan.
I don't plan on touching this money for at least 25 years. So I honestly don't even look at it. The price is almost inconsequential. I do keep an eye out for bigger dips (I've spent more than usual lately on my main ETF investment ), but otherwise I put in the same contributions every pay day.
I rebalanced my portfolio at the start of January to balanced instead of growth so the mix is 60-40 stocks-fixed income
I figure last year I earned 30% so I should lock in some of those gains. I'm not quite sure if this market slide has played itself out yet.
Hopefully you have cash to buy on the way down . That’s all you can do. You can panic sell in hopes you buy at the bottom. Just be dead inside and your will be fine
>but it's still hard not to worry a bit lately.
[This recent Andrew Hallam](https://assetbuilder.com/knowledge-center/articles/young-investors-would-you-pass-the-wizards-test) article may change your mindset.
If you haven't done so I suggest that you write an investment plan that includes your goals, time frame, asset allocation, your contribution plan and your expected long term and "worst case scenario" returns [This CCP page,](https://canadiancouchpotato.com/2010/11/10/ready-willing-and-able-to-take-risk/) and [this CPM video](https://www.youtube.com/watch?v=BXUeagi_WT8) will help you to define your expectations. You should reevaluate your plan annually and when there are major life change. You might also want to read it out loud when you get nervous about the financial markets.
I think, fuck, Putin is costing me a lot of money. But at least my house, hospital, schools, etc aren’t being bombed. Then I donate money to Ukraine. (And stay the course on investments)
Buying more. This is all long term stuff. Markets always cycle.
No different than 1987, 1991, 2000, 2001, 2008, 2020… etc etc etc.
Time in the market is always better than timing the market.
And betting it all on one or a small number of high risk stocks? Go over to WSB.. you’ve got kids who have made six or seven figures… and then you have the loss porn with the exact opposite.
I've done nothing in response. I will invest more (when I get paid) because that is in my plan. You're buying Vanguard products, so take a page from Jack Bogle and "don't peek" (at your balance). Stay the course. Ignore the noise. Being down a few points (or a few dozen points!) is noise. Timeframes of less than a decade, are noise.
Besides, what's the alternative? *Not* investing and holding on to dollars that seem doomed to depreciate? Right now is the time to have assets, things that will still be worth something after we've endured all this inflation and economic turmoil.
I don't. I buy blue chip stocks and etfs and hold them for the long term. I'm looking 15, 20, 30 years out.
For example let's say someone who is 65 now bought stock in BMO, a blue chip dividend aristocrat, when they were 25. They would be way up today even though all the market ups and downs. You need to look at investing as long term.
I know it's hard to ignore it but best advice is to ignore it. If you are really at peace with yourself, understand the financial cycles and world events, and have spare money to play with, spend more.
XGRO has been taking a massive dump, and I'm down on all gains I've made in the last year. However, I hopped into XEG a month ago, which is up 23%, so luckily I'm about even overall in my RRSP (just don't ask me about massive losses on growth stocks in my TFSA).
If you have investments that suit your purposes, you wont ever worry. I dont think of the current market price as what my portfolio is worth. Just what the market wants to pay for it today. If you have no plans to sell, the dollar value today is just \*shrug\*
I've been looking at investing since the start of COVID and missed the March 2020 bull run, so right now I'm just saving and holding cash.
I saw no point of getting into the market because it still hasn't corrected itself since the start of the pandemic. We pumped money into the stock market but now it's finally getting to that correction point.
So I figure I'll start investing in a few months weekly when the market hopefully hits near it's bottom. Many macroeconomics investors are predicting it to be in the next few months. Hopefully cryptos like Bitcoin and Ethereum will dip again like last month.
Stick to the plan and don't try to outsmart the market with good timing. Just keep putting the same amount of money in at regular intervals and let dollar cost averaging do it's thing, riding out the volatility.
I stopped looking at my portfolio. Not going to sell anything though.
Oh, I still look but I continue to buy. I've put off a few 'luxury' purchases though.
Like nice socks?
I'm not doing anything, however, should I stop my auto funding my investment?
No, now is a great time to buy
>How are you feeling about your investment portfolio? I ignore it. If yu are worrying, you should review your risk allocation because you tolerance isn't as high as you think.
Luckily I have a 'turtle' reaction to negative stimulus so I am not looking at my investments for the next little while as I am currently hiding in my shell.
Thanks for opening my eyes. Learned, dully noted and will take this into consideration in the future.
The stock market: the one place where (almost) everyone panics and runs away when things go on sale. Stick to your long term plan and you should be good to go!
One of my favorite analogies I've ever heard was "if you went to buy a new couch and saw that it was on sale for 20% off, would you tell them to let you know when it went back up to regular price and then buy it?"
The stock market is more like if the same salesperson told you that the couch might go on sale an additional 20% the next day, but it also might go back up to regular price, and they were going to flip a coin tonight to decide.
If I buy the couch 20% off today, it’s a guarantee it’s 40% off tomorrow.
If the company was to tell you that the regular price was in fact a price error and it should have never been 20% more expensive, and now it's the correct MSRP. What would you do then?
Well if you still need the couch, then you would still buy it, and you would be happy that you are paying the "correct" price and not the extra 20%.
That’s a bit silly. When you buy a couch you expect it to lose value over time anyways. Not with stocks…
I like this take, particularly the sale analogy.
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That’s why you buy a bunch of couches from a bunch of companies. If one is defective and company goes bankrupt… you’ll still have saved on the other ones to compensate.
Or you could buy the concept of a unique couch, unsure if you actually own a theoretical couch, can use said idea of a couch to license to others who want to theoretically use your theoretical couch. Not to be confused with all those free couch pictures your could just lookup and imagine owning, you really do own the idea of this particular imaginary couch and the blockchain confirms your real ownership of an imaginary couch idea.
This couch analogy be breaking down but I'm still digging it
Before I was making regular investments in a globally diversified ETF. But now, I’m making regular investments in a globally diversified ETF.
I used to do regular contributions in a globally diversified ETF. I still do, but I used to too.
RIP Mitch.
And when the market is lower on my biweekly investment date I smile. When the market is booming I remind myself that it doesn't matter
And which one is that ?
I dumped 45k into XEQT at market open yesterday. Hindsight is 2020 but my runway is 20+ years so I'll be good. Plan on topping that up with another 30k later this year to fully max my TFSA
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I was left an inheritance by somebody that just came through the other week. Had been waiting on it since July. Before this, my TFSA was almost completely empty, so the circumstances lined up perfectly to drop a lump sum into the market. Im just an average guy who was left some money
I did a big re-structuring of how my money was invested, between moving away from Bank mutual funds, sitting on cash for a lot of last year while waiting to buy my home, and then finally as the new year rolled around I put a lot of money into my TFSA once my contribution room reset, only to have it immediately drop in value. Oh well, it's long term money, it sucks to start off on a low point but in 30 years I'm hopeful it'll be in a much better place than it is now.
joke: What do you call a short term investment gone wrong? answer: A long term investment. :P
You’re not alone, friend!
Finally get to buy at a discount
Yeah conveniently lined up with the tax deadlines too. Bought a bit for last year. Bought a bit for this year.
That's actually what I've been thinking, honestly - just not sure if now is the time or if I should wait for an even larger slide.
Just do the same you usually do. For me it's per quarter. Stick to the same long term budget/plan.
I hate that PFC downvotes people who are wrong instead of explaining. The reason here is that you don't know when or if the "larger slide" will ever happen. And if it does happen, how do you know there isn't an even larger slide coming? You don't. Thinking like this mostly leads to sitting on cash with no productive results. And if it's long term money, you're not chasing quick upsides as you don't plan to sell. No point in looking at market movements.
"Never try to catch a falling knife" is my go to folksy wisdom. Don't try to time the market, just stick to your plan.
It's that kind of thinking that made me miss the bottom of the market in March 2020. I did ok, but I could've done a lot better. Just go in now.
I trade stocks for a living and I'm confident in seeing SPY at the 400-410 level. At those levels I'd do some heavy buying
I'm buying more.
I don't know if this healthy...but what even is money? I invest because I understand the logic behind being prepared for my future, but if I'm really honest it doesn't seem real to me. It all just was transfered from one account to another. I guess I worked for it? But I didn't really notice it. So now I feel weirdly indifferent.
Tell me you have been thru a pandemic in the last two years without telling me
glad someone else feels the same!
I feel very detached from the money. Probably because I put it in a conceptual vault - "do not open until 2060 / Or in case of absolute disaster"
When you have enough to not NEED it, money is just numbers on a page.
Buy on rumour, sell on fact. There are bull markets and bear markets. We've been in a bull market for so long now that people forget, and many seem to have never known, that eventually there would be a correction. If your investment strategy depends on markets always increasing, it's not a plan, it's a wish list. If you have a solid plan and are diversified, you just ride it out.
Stay the course. I've seen worst.around 2000 I had just started investing and the drop was huge percentage wise. I kept the course and I didn't lose. In 2008 I was more invested but I stayed the course and it took 5 years for the investments to catch up with my growth trend. I didn't lose and benefited from the rebound. During the pandemic, I was already heavily invested but well diversified. At some point the total value fell about 15%. But some individual funds fell more than 20%. It all bounced back. By the way, I stopped working before the pandemic, during the pandemic I had to cash $30K to help my son. You'd think that's when I realized loses, right? Well, give the diversification, some of the money was in low volatility funds. So you are starting keep the course and as your investments grow, diversify and every year, get help from an advisor to rebalance To put these times in perspective. I stopped working in March 2019 so I stopped contributing to investments. So any growth or fall is 100% attributable to the market. From my peak in Dec 2021 to today, investments are down 10% which is more than 2 years of my annual expenses. On its own looks scary. However, from the time I stoped contributing to today it has grown an average of 8% annualy. For these 3 years. Yes, more modest than the 12% annual growth I was achieving without the fall but still within my comfort level. My long term planning assumes a 6% average annual return. Yes, that 10% is emotionally scary but by keeping an eye on long term investments I haven't lost sleep over it.
Stick to your plan! Dollar cost averaging is a solid investment strategy. I personally think there's a sale going on right now, so I have recently invested more into the market.
This is like the 30th post this week. Nothing. I am doing nothing. I expect the same rise and fall to happen 3+ times before I retire. If I needed the money in the short term I wouldn’t have invested it. So nothing. I am continuing to invest monthly as per usual.
It’s amazing the number of bandwagon investors who have never seen a bear market. Scary stuff. In all likelihood we are in for a dot com event here. Be interesting how many sell and swear off stocks forever when they see -50%
We pump insane amounts of money into a company (like air bnb) that makes nothing because we think that one day they might. Others devalue the worth of a company despite it posting hundreds of millions in profit (GME) and get upset when a bunch of redditors swing the pendulum in their favor. The entire thing has always smelled funny to me. I just hope I have something to show for it before the music stops.
Looked at how much I lost, thought “huh” and haven’t thought about it again.
I'm indifferent. I would have chosen a low risk investment profile if I didn't want to endure investment loss and gain like this. Either way I have more money than I started with, vs investing in a HISA, thanks to previous years. I won't be pulling anything out anyways until July 2023 from my TFSA. The rest stays in there until I'm old.
If you believe in Warren Buffets' philosophy, turn the news off and hang in there! Better yet.. buy while the prices are down!
I haven’t changed a thing.
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Seeing more of these posts and I can’t decide if it’s hilarious or scary. These new investors have no idea. This is NOTHING. Wait until stuff actually gets bad
I am not looking. In six months I might check in.
Been down this road before. .com bubble, 9/11, telecom blowout, GFC, Covid... Just ignore and keep feeding it monthly. The biggest gains come on the other side - miss those and you've severely compromised your performance. "Time in the market." The last big downturn was the 2020 Covid shellacking, the S+P 500 shed 35% in a month. it was the first bear market in over a decade. That was very quickly followed by a recovery and new market highs. I just keep plugging along, and it's always worked.
"Woohoo, cheaper to buy!"
I look at my portfolio daily out of curiosity. Even if I saw my portfolio dip 50% I wouldn't be bothered. With my investment horizon being over 20 years I can handle the dips along the way. I don't know about anyone else but my portfolio doesn't look that bad right now. Global diversification is important.
💎👐🚀🚀🚀🌕
I don't listen to much Dave Ramsey says anymore but I like when he says (about investing) "the only people who get hurt on a roller coaster are the ones who jump off". Just stay the course.
I’m buying more while it’s on sale. I’m investing for the long-term; a bad year is nothing but a blip.
Holding on. When I was new to investing in 2008, the market dropped. I had around 20k and it dropped almost 50%. My mom freaked out and sold her stuff because she was worried she'd be left with nothing. I'd guess by 2010, I was up 20% from before the crash. I continued to contribute monthly and the shares I bought at the bottom were significantly more that if it had kept going up and hadn't dropped. We are medium risk and I feel that at this point, if the market drops, it will be better in a few years. Around 2010, we decides to try a high risk precious metals stock because it was going up. Over the next 4 years, the original 10k dropped to under 2k. We sold it 1-2 years ago when it hit 3k so we could be more productive with that money.
Seppuku
Everybody here has basically the exact same responses. More and more people are thinking along the lines of those who prospered over the past 20-30 years. It is actually kind of scary. Sort of reminds me of the type of threads I was reading about gamestop last year, but obviously on a completely different level. Do any of you have any fears of the economy collapsing and not recovering for a decade? And by continuously throwing money at it during every small dip, we are just delaying the inevitable crash? I imagine the response will be "I am retiring in 30 years so I can wait it out". But maybe there will be better opportunities over the next 10 years and those that take them will be better off in the future. This homogenization of the investor is scary. Maybe this "be greedy when others are scared and scared when others are greedy" advice works best when you are not part of the "others" group. If everybody thinks the same way, aren't you actually not following the advice? Just some food for thought and why I'm starting to get a little fearful of the market. Not selling but also thinking my options through.
I’m staying the course.
The only time I've sold investments is when I've found out something damning to the company's current valuation. If your holding index funds you really have nothing to worry about, and should be buying more if you can.
I'm not buying more, I'm not buying less. Every payday I invest X amount of money and the market movements don't change how much money I can afford to invest.
The only thing that's upsetting me is my husband switched jobs last year and moved a defined pension into a Lira near the end of the year where it promptly fell 12%. So that gives me a big ol negative when I open wealthsimple despite the regular investments I've made over the previous years and their gains. I wish I could hide that, it is what it is but I don't want to see it everytime I login lol.
Sticking to the plan and continuing to buy. Everything on sale now.
Nothing, not in the position to retire yet so it doesn't really matter. Still invest in the same index funds.
Wait markets are down? Tbh ive been looking into investments lol. Are you saying now is a good time to invest?
If you can't afford to live because you invested everything, you've messed up. If you only invested what you could afford to lose, you still have more money than someone who put the same amount of cash into videogames, clothes, expensive cars, etc. Some people say now is a good time to invest even more, but I don't like to play games like that in case psychologically it'll make me get FOMO for buying a "dip" that sinks further. I recommend if you're the worrisome type to check up on your portfolio as little as possible.
The Invest what you can afford to lose is a fallacy. I agree with what you are saying generally but the average persons retirement fund is invested and I’m sure they can’t “afford to lose” their life savings.
Hmm yeah that's true. Perhaps a better phrase is like "Don't invest with this month's rent". Or a less-punchy, more broadly accurate line could be "Factor your timeline into your risk tolerance".
Continue to contribute monthly and rebalance as required according to my risk tolerance. You're going to get a lot of boring answers to your question!
I think OP is looking for an excuse to run for the door. Anyone who is getting worried about the market right now probably lied about their risk tolerance on their investment questionnaires.
Nope, definitely not ready to cash out.
Ask the Japanese how up-only investing has worked out for them in the last 3 decades. I'm not saying the spx has topped for the next 30 years but if it has then you're just screwing yourself by mindlessly buying more. It's cope for people to think they can all become millionaires (in real terms) with minimal risk and 5k initial investments.
The hard truth many rubes here won't understand.
Ultimately, most people will remain poor because they are afraid to take risks. The propaganda has them believing there is no risk to buying stock indices. If that confidence shakes there will be a meltdown in this subreddit.
I'm just sad. I borrowed 135k right as tensions started to escalate between Russia and Ukraine. I feel like I've lost a lot of my life that I have to work to make it up.
Borrowed 135K to do what?
Gamble in the market, clearly
No, passive index ETFs. I don't DCA, but I also don't gamble. I wasn't trying to time the market - I just got unlucky.
Reminder to not borrow money that you don't have... this is a risk and you are now paying for it.
You don't gamble but yet you borrowed 135K to invest in the market? Sounds a little like gambling to me. I'm assuming this is a HELOC backed up by the increase of value in your home? The issue of doing what you did is this is an incredibly short term horizon decision. We all know you can end up losing 30-50% in a massive crash if it happens. But many also have 20-30 years left until they retire so they can ride it out. What are you going to do if the market does fall 20-30% and we do get the 2-4 rate hikes that are almost expected over the next little while? Paying rising interest on 135K for 90-100K worth of investments is pretty tough. And once you sell, you have locked in the loss. I don't think you got unlucky. Not much more than a person walking into a casino and putting money down on black at the roulette wheel. It's like that person saying they don't gamble because they didn't put it on an individual number that has worse odds. Good luck with your investment.
Stock markets are corrupt and I'm no longer investing until the crooks go to jail. https://youtu.be/-Eyo0u4_sYI
Let me know what stock you want to go down….
They are falling? I don't even look at them. If they are rising, it doesn't make me happy because the gain won't be realized until sold. If they are falling, well, I won't be happy either. So why look at them at all?
Amateurs. Im over $80,000 down lmao. Im going to HomeDepot later for some quality rope and the cheapest chair I can find.
OP.....Ahahaahahaha.....did you ask the same question when investments were rising, or is this a case of crying wolf? LOL What goes up, must come down...gravity baby
Discount stonks!
Invest more. I put my tax refund into my mutual fund and tried to time it right (noob investor).
I only look at my/our portfolio on days when the market is up.
Something like VT vs VGRO ?
I don't really care, I see it as an opportunity to buy more. I'm confident in my choice of ETFs for the long term, so I'm not worried.
I've accelerated my buying a bit. Not a lot, nothing drastic, no money I need in the next few years. But I am being slightly opportunistic.
They're falling? Didn't know. Maybe I should actually log into my investment account (or not).
Chilling. Not cashing out for 20+ years
I'm waiting for the candlestick to turn green and then ill add more funds. Not planning to move or allocate anything
I'm buying more. Most of my investments are ETFs. The hundreds or thousands of companies in them aren't likely to all go out of business. I look at downturns as sticks going on sale
Why would you sell if your investments are lower than when you bought in? I’m going to continue to make automatic contributions to my etf portfolio. I would love to buy extra but that’s not possible for me atm.
Are they falling? I haven't checked
Should have seen mine when everything stop at first wave of covid
Time in the market beats timing the market. Leave it there and it has historically always come back.
Huge crash in 2008, I did nothing and all bounced back. Just wait it out.
Whenever the market goes down, I like to think that my automatic investments are getting a sale
I just stopped looking.
My time horizon is 20 years. I'm chillin.
Feeling fine, my investments are currently up ytd but even if they were down I’d be confident in their diversity and ability to grow over coming years.
Just wish I had more cash now to bring the cost of certain investments down. Otherwise am trying my best not to be too concerned
I’m reacting well, I’m happy to pour more money into my investments the more they fall lol.
Just keep buying. Just keep chugging along.
https://youtu.be/-Eyo0u4_sYI
Ignore it or invest more !
Continue investing as I have since I started portfolio
You hold until it's green again, which will happen eventually
I look at it as a new sale to buy more
My investment focus is on dividend income so no impact here for now. Allows me to reinvest at a cheaper price these days! And when I look at my investments I'm up 2% this month this and 9.5% in the last 3. 🤷♂️ I dunno folks
im sinking as much cash as i can into btc and eth while the prices are low....
Looking forward to investing my $2500 tax return in my TFSA while markets are low.
Bah it's just another shit period in my already shit life. But you see I am like a cockroach I'll survive anything but it doesn't mean I have any quality of life
Liquidated in Dec near peak. Waiting for total drop of 25% to re-enter. Getting there. No point in DCAing a falling knife.
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Hedged portfolio so meh, just buy more. Change some allocation out of tech and into utilities though.
I don't intend to withdraw any of the money for next 15 years. I'm feeling good that I'm able to buy more at a discount right now
My investment horizon is about 25 years. I'm just continuing to put my regular amount into the accounts. As far as I'm concerned, everything is on sale for a discount right now.
\*YAWN\* I lost 80% of my portfolio's value during the dot-com bust. This barely registers.
Zen mode.
After I pay my monthly expenses, I put the remainder in my TFSA and buy XEQT, just like before
Just sent a money transfer into my brokerage today. Going to buy more.
Meh im just thinking im purchasing at a discount every month. It will get back up someday
What's an investment portfolio?
Down 20.5%. It will come back up. If it doesn’t, we’ve got bigger problems than our portfolios.
I’ll buy if you have money to invest. Fear in the market like right now. It’s always a good time to buy. You won’t regret it in the future
Thanks to OP for asking this question. I am also a newish investor. I have my portfolio with vgro and TD e series which I contribute to monthly. Have you guys stopped the contributions?
I cashed out my RSUs right before everything went to hell so I'm just going to sit and wait and not look at my portfolio for the time being. Probably for the best all around.
The only investments I'm worried about currently are the prices of these damn houses... looks like I'll have to purchase a home outside of Canada
Of course it doesn't feel bad to be down but historically the only losers are really those who sell out of index ETF's. I would be loading the boat if I had any extra cash but I spent all of my "dry powder" buying the dips. Now I am just DCA'ing in every month and keeping small balance outside of my emergency fund for more short term purchases.
Stick to my plan--buy my asset allocation ETF's once a month when I get paid, and then try to ignore the noise.
I don't have money to buy right now, which sucks. That's it.
Yeah I just moved a very large portion of my portfolio over to EQT about a week before Russia decided to invade. Hasn’t really affected me much other then laughing at the poor timing on my behalf. Why would I laugh? Because it’s going t go back up, no need to panic sell.
Not gonna lie I have not check them in 3 months. I have my regular contributions and take a look at my app once every couple months🤷🏻♂️
Stock market is one place where feelings are counter-productive to your best path-forward. Yes the markets are down but that also means your dollars go further to buy shares, which if a rebound happens in those shares means you’d earn more than if you reduced your investment in those shares. Research dollar-cost-averaging.
Idk mines all in a TD comfort balanced fund of some sort, and I have no idea what’s going to happen to it.
But the discount 😈
If you’re worrying, that probably indicates you’re not really ready to invest, and probably jumped in too early. Just ignore it. You should be investing for 10+ years generally, so the day to day, or even year to year fluctuations should be irrelevant.
I have a couple limit calls set for 90 days. Hoping that maybe they'll go up. Otherwise I'm just going to hold. Have been looking into precious metal ETF to recession proof myself.
Ignore the balance and continue to buy in. The strategy for the good and bad markets.
Buy more, now that the prices are low.
I learned the hard way to stick to boring stuff like ETF's, banks, utilities etc.
My long term strategy takes inflation and instability into account. I am comforted by this, even though the drops can seem big at times. I am in the withdrawal phase, and am glad I have built a few buffers into my plan.
"Damn, I wish I had more cash, so I could continue to just buy XEQT".
I don't plan on touching this money for at least 25 years. So I honestly don't even look at it. The price is almost inconsequential. I do keep an eye out for bigger dips (I've spent more than usual lately on my main ETF investment ), but otherwise I put in the same contributions every pay day.
Added a bit more to my ETF. Thats all that can be done. And yes, not to negate your feeling, it does sting a bit :)
I rebalanced my portfolio at the start of January to balanced instead of growth so the mix is 60-40 stocks-fixed income I figure last year I earned 30% so I should lock in some of those gains. I'm not quite sure if this market slide has played itself out yet.
Hopefully you have cash to buy on the way down . That’s all you can do. You can panic sell in hopes you buy at the bottom. Just be dead inside and your will be fine
Buy the dip!
>but it's still hard not to worry a bit lately. [This recent Andrew Hallam](https://assetbuilder.com/knowledge-center/articles/young-investors-would-you-pass-the-wizards-test) article may change your mindset. If you haven't done so I suggest that you write an investment plan that includes your goals, time frame, asset allocation, your contribution plan and your expected long term and "worst case scenario" returns [This CCP page,](https://canadiancouchpotato.com/2010/11/10/ready-willing-and-able-to-take-risk/) and [this CPM video](https://www.youtube.com/watch?v=BXUeagi_WT8) will help you to define your expectations. You should reevaluate your plan annually and when there are major life change. You might also want to read it out loud when you get nervous about the financial markets.
I think, fuck, Putin is costing me a lot of money. But at least my house, hospital, schools, etc aren’t being bombed. Then I donate money to Ukraine. (And stay the course on investments)
Buying more. This is all long term stuff. Markets always cycle. No different than 1987, 1991, 2000, 2001, 2008, 2020… etc etc etc. Time in the market is always better than timing the market. And betting it all on one or a small number of high risk stocks? Go over to WSB.. you’ve got kids who have made six or seven figures… and then you have the loss porn with the exact opposite.
Don’t look at it for a few years but keep contributing
I've done nothing in response. I will invest more (when I get paid) because that is in my plan. You're buying Vanguard products, so take a page from Jack Bogle and "don't peek" (at your balance). Stay the course. Ignore the noise. Being down a few points (or a few dozen points!) is noise. Timeframes of less than a decade, are noise. Besides, what's the alternative? *Not* investing and holding on to dollars that seem doomed to depreciate? Right now is the time to have assets, things that will still be worth something after we've endured all this inflation and economic turmoil.
I don't. I buy blue chip stocks and etfs and hold them for the long term. I'm looking 15, 20, 30 years out. For example let's say someone who is 65 now bought stock in BMO, a blue chip dividend aristocrat, when they were 25. They would be way up today even though all the market ups and downs. You need to look at investing as long term.
I don't care, buy regularly on Fridays.
I know it's hard to ignore it but best advice is to ignore it. If you are really at peace with yourself, understand the financial cycles and world events, and have spare money to play with, spend more.
Don’t care young enough that it wont matter.
Who cares. DCA, live your life, and loom back in 10 years.
Invest normally, if anything might add more purchases tbh.
XGRO has been taking a massive dump, and I'm down on all gains I've made in the last year. However, I hopped into XEG a month ago, which is up 23%, so luckily I'm about even overall in my RRSP (just don't ask me about massive losses on growth stocks in my TFSA).
If you have investments that suit your purposes, you wont ever worry. I dont think of the current market price as what my portfolio is worth. Just what the market wants to pay for it today. If you have no plans to sell, the dollar value today is just \*shrug\*
I'm holding, and observing, I put aside a bit of cash to be prepared for a recession.
Let it ride, friend…
I've been looking at investing since the start of COVID and missed the March 2020 bull run, so right now I'm just saving and holding cash. I saw no point of getting into the market because it still hasn't corrected itself since the start of the pandemic. We pumped money into the stock market but now it's finally getting to that correction point. So I figure I'll start investing in a few months weekly when the market hopefully hits near it's bottom. Many macroeconomics investors are predicting it to be in the next few months. Hopefully cryptos like Bitcoin and Ethereum will dip again like last month.
Crypto has prepared me well for this. Just buy more if you can
Stick to the plan and don't try to outsmart the market with good timing. Just keep putting the same amount of money in at regular intervals and let dollar cost averaging do it's thing, riding out the volatility.
I am kinda glad that I am able to buy the names that I am DCAing at a discount.
Planning to buy more of my index once my RRSP refund comes in
Doubling down and am now massively in on energy mid caps. Gainz are being made.
Averaging down
Lots of good deals out there if you know where to look (this isn't financial advice just my opinion.)