Depends on variables,

28,000 and change and headed South!

I haven't sold, in fact I bought today. I may buy more next week. I plan to be in market another 12 to 14 years so.......

He adheres to a moving average-driven model. He sells after bear market has started and buys after bull market has started. He has also fallen for some bear traps and sold in the midst of a prolonged bull market. I suspect that after deducting fees his long term performance is below a broad market index.

Yep, impossible to time the market; but buy more when people are the most fearful and sell some when everyone has an over abundance of exuberance.

Always thought it was interesting that the S&P500 returns were about a third higher than the average investors returns. That gap peaks during downturns as people sell too late and don't get back in soon enough. There's a lesson there.

Sell the S&P Futures Index on all rallies and buy boat loads of Vaseline (physicals market) as a hedge going into the midterm elections. Look to be out of the short side of S&P the day before election and hold on to your Vaseline... should be a rocket ride up on that end of trade. Works best for Democrats!

You could apply the Fauci Principle. Create a crisis the declare only you can lead us out of it.

If you got out buy back in stages. Each drop get back in for a certain percent in certain sectors. Nobody knows exactly what level it will drop to. Some said it’s speculation. Well ….duh. That’s like saying going to the Casino is betting.

I am going to get back in some next week in my 401k. I have been on the sidelines for several months and the market has taken a nice drop. Just trying to figure out what funds would be the best sectors. Company stock is down 15% since I transferred I all so I will get back in for a little there for sure. I think I can turn 10% within 3 months there, maybe 6 months. It tracks h market down but tends to go up after even if the market doesn’t t move.

If you got out that’s half the correct decision. The next half is when is a decent time to get back in. You can’t worry abou trying to hit the perfect time.

Half a good decision doesn’t help much. You need to be good on both halves.

All I can say is that I'm grateful for dividend income. Have about half of our dividends set for automatic reinvestment, and the other half is cash flow.

In the meantime, it sucks seeing the portfolio down by so much. I know the old saying of "this too shall pass" . . . but I hear that passing a kidney stone is rather painful.

The major market indexes are down more than 20%+, you can look them up. No one can predict where the market is headed and when, so I’m a buyer, dollar cost averaging every week unless there is a short term bear market rally like August had, and I buy certain assets on dips. I’ll continue to buy into the market until I think it is oversold, then I’ll be hoarding cash like I did in 2021 into early 2022.

For me with about 5 years left to retirement I just couldn’t stay in the funds I had with such a potential downside looming. So went 100% stable. For a while the market was up slightly and that was driving me crazy. However, I kept telling myself there wasn’t any reasonable reason for it to rise that it should be dropping quite a bit. Now that’s occurred. How low is it going? Regardless I have avoided that loss. My account value is way more than if I had done nothing.

If I hadn’t gotten to the side line then I would be looking at another 15% or so drop in my account and just waiting for time to heal that. Time that I really don’t have at this point.

I have enough to retire with what I have but you always want more. Plus inflation is requiring more. A lot of what went up in the crazy inflation rate isn’t going to come down.

To me some of the worst advice they give you on a 401k is invest and leave it alone. I don’t change mine or transfer much. However, l will at times when it seems to make a lot of sense.Over the life of my account it’s been real positive the changes and transfers I have made. Only a couple of negatives. The regrets are really I was thinking about doing this, didn’t and it was the absolute right move.

I tend to ignore the noise and focus on the long term. If you're time frame is 10-15years, there's almost zero chance of having a negative return buying the SP500. If you're close to retirement and can't take a short term loss, that's a different situation....but time is on my side so I don't need to time the market.

This year however all my extra outside of maxing company match in 401k are going into iBonds and cd's. Right now you can get a brokered cd at Fidelity at 3.9% for 6 months....then I'll roll that into iBonds next year. It's hard to pass up such a high, risk-free rate. Though I probably won't hold them after inflation comes back to normal.

I don’t think you can look at it like they traditionally do. We have never had a government that was heck bent on destroying our country and they dollar. We don’t have the people working to keep the economy working has needed so this will affect returns and the stock market
I would suggest older people get safe. I think it’s good advice for all but especially the older people. I will say it won’t matter if it all crashes
We can’t keep giving money to foreign governments and taking illegals in and it not effect us. I think we are in for a real rough ride for next few years no matter who gets into office in November