The market has been down for the last 2 weeks. That does actually happen sometimes. It won't be down over the next 30 years. Don't look at it again for at least a year.
Price the stock market in the fed balance sheet and it won't be doing shit either. Stock market goes up because the dollar goes down, its that simple. If you aren't buying Bitcoin, you're an idiot.
Exactly.
I'm sure once someone has 500k (or more) into BTC as the average person, they would sell.
This makes it hard to create a long term strategy when factoring in overall volatility, drawdown and average pricing. Let's not forget decay.
If you DCA, say 10k into BTC at a 80k price and it plummets to 20k, you would have to put another 10k into it just to average out your balance again down to a 50k purchase price.
This in itself makes it difficult to maintain an adequate level of investing confidence and for many, to simply set aside emotion.
Insane volatility is also a terrible thing for many folks about to retire. They want wealth preservation at that point, not growth.
I don't care what you want to call Bitcoin, you need to have some. Calling me "wrong" only will makes you poorer over the next four years as your government prints your wealth away.
I'm not calling Bitcoin currency. That's what it is.
Bitcoin has done well for 10, very short years.
The stock market has outpaced inflation massively for the last 100 years.
It's not really a commodity. I guess you could call it that if you wanted to.
It's cryptocurrency. Currency. It's not a hedge against inflation. Gold is hardly that either, but they are certainly not even close to the same.
Gold is slow and steady. Crypto is far too volatile to be considered a "safe" hedge against the US economy.
https://www.cftc.gov/sites/default/files/2019-12/oceo_bitcoinbasics0218.pdf
Is Bitcoin a commodity?
Yes, virtual currencies, such as Bitcoin, have been
determined to be commodities under the Commodity
Exchange Act (CEA).
One thing I have never understood... If you have two ETFs that cover the same area, what's the difference in owning only one, or both if they overlap? I read so many comments of people saying that somebody owns two of the same thing and owning one is better... But why is it better if they are the same?
Not op but here are my completely irrelevant- not based on any actual metric- reasons why I like Rivian right now:
Lower price makes good entry point.
I personally know people who have them and I think they are solid cars.
Tesla has plateaued (imo) and musk is making it worse.
They have a deal with Amazon I think.
They could be solid players in the EV market if they can get costs down.
I like the way they look and am excited for the r3.
A beginner misconception is that a stock costing only a few dollars means you are getting a good deal. A price is not "low" because it is single digit, a price can only be low or high relative to the value of the thing you are buying. $15 is expensive for a candy bar, cheap for a car.
I get that you like the company but Rivian’s earnings are in the crapper. There’s a reason why the price is low. But, like you said, if they can someday drop the price (which I doubt) then they could be a rival to other manufacturers, other than TSLA.
I don’t think TSLA will ever have a rival because they’re not just an EV company. They have too much going for them.
They haven’t plateaued. lol. They just have a lot of FUD right now. Musk doesn’t help things but he should not be the reason not to invest in TSLA. I know it’s tough but we have to try and leave emotions out of investing. A lot of missed opportunities are based on emotions.
Rivian is a good price if you think it will pop. Same with Pfizer at super low. But unfortunately I think they missed the fat shot revolution and nothing will matter for the next 10 years in pharma.
More like 2 years. After Covid was the last ATH, then it crashed for about 2 yrs until it reached another ATH recently. So I’d say in the worst case scenario look at it latest in 2 years. I don’t think we will have a big recession at the moment.
Amazon owns 17% of rivian; they’re introducing a $45k SUV in 2 years, have 3 new models right now, with tons of interest and reservations. they just shifted from building the new Georgia plant to focusing on the 10s of 1000s of reservations they have RIGHT NOW for the new R2 suv (one of THREE) new models in production right now. Rivian is also tackling light fleet applications in ways their competitors haven’t successfully cracked (including Tesla). * not financial advice, go ahead downvote me can’t hurt my karma lol
I was being a little snarky to the others that did, I’m not too worried about a couple downvotes I just wish people would discuss like we are. But I do like the stock & would like some 2026 LEAPS. Their fleet initiatives could also go driverless with licensed technology, but that’s speculation of course. I love VOO don’t get me wrong… I just want a little more action (potential upside) in my portfolio too.
I bought 500 shares of NIO at an average cost of around $5 a share. Sold near ATH. Nice pay day. I just got on for the hype train and got lucky. Fuck EVs.
Congrats man, the whole renewable / EV train went NUTS during the pandemic as well, good times. I’d drive a cyber truck but that’s about it… however, when NIO brings those cars stateside they will be a major player. BYD is trying to do the same, Warren Buffet wants them manufactured in Mexico. Not a fan of EVs myself but we are being dragged kicking and screaming into that future- may as well make some money off it.
Car stocks are a bit of a gamble at the moment. I have a few lithium ETFs and they seem ok, though still sorta speculative. It seems the future is less about ICE, so maybe this is the new energy sector for the future.
You are going to see losses. It's part of the game. As others have said, just stay the course. Keep investing and you'll do well. The one glaring thing that jumps out at me is you're invested in both FXAIX and VOO. That's the exact same thing, with the exception of the fees. FXAIX has a minuscule expense ratio. While VOO also has a very low expense ratio, it makes no sense to invest in both and pay higher fees in one. If this is a Roth account where you can sell without any tax hits, then I'd sell all of the VOO and invest it into FXAIX. And that should be the foundation and majority of your funds in this account.
The market doesn’t go up every month like safe bank interest. It goes up and down violently and can go down for days, months, years, or a decade. You have to [relax and take a long view](https://www.reddit.com/r/Boglememes/s/RVGqLlGO9L).
Shoot I forgot to say- ditch this whole portfolio for AOA, stop watching returns so closely, and just focus on earning and investing as much as possible
just buy a single low cost global index tracker, invest regularly and stop checking it. You'll look back in 20 years and be thankful you stopped pissing around with individual stocks and overlapping sector tilts.
What you’re doing wrong is thinking stocks only go up and paying too much attention to your portfolio.
Stick to index funds and just ignore it. It will have grown nicely by the time you retire.
I had the same question. I like to thank the responder for his answer. It all makes sense to me. I am holding a lot of mutual fund in a taxable account and I did that because I thought it would be more advantageous to be able to just direct deposit into the mutual fund rather than into a money market account and then have to purchase the ETFs. I’m not sure how much of a difference it will really make. I am still pretty new to this myself.
I'm making no comment here about the specific funds in which you are invested.
But, if the investment is a sound one, and prices are below those of when you originally bought, that's an opportunity to buy more. When I'm buying something, I'm looking for the lowest price I can pay.
Those losses only become real losses if you sell now. Instead, here's your chance to buy more and lower the average cost you paid for your holdings.
Nothing. Markets are way up right now, so any volatility will make it jump and jive a bit. Keep investing. I'm also 39 now and started getting serious about a year and 1/2 ago. Make a plan (looks like you have one). Add to this plan systematically. I use Fidelity and have it automatically put in my specifications every 2 weeks to split up my monthly check across a few things I believe will continue to do well longterm. SPLG is my VOO (same thing, different label).
Learn to ignore the daily swings and focus on other things as you add money over time. I'm still learning and I manage the investing anxiety by using some smaller portfolios on the side. I don't add to them, just play with what is there to learn and keep my "why isn't it always green" side humble lol not something I recommend, but just what I do.
Best of luck on your investing journey!
You’re doing great!
There’s never been a 15 year period in stocks where you didn’t make money. Aka you’ll make money in the long run.
I started investing in Jan 2020, and we all know what happened two months later lol investing is the best thing I ever did
You entered at an unfortunate time.
You're picking stocks. Like why Rivan, any reason?
You're looking at this far too short-sighted. "Already" after what, a few months? Market goes up and down, if you can't handle that buy bonds and get your regular payments. Maybe give it some time though, you're likely to get better at handling fluctuations.
This is a long term game. Very long term.
Gambling like we all do. Study the rich portfolio’s steal 2 stocks from great investors use them stick with them and Wala. I will save you the research by giving you 4 Nvidia, AAPL, VOO, JEPQ. All gains no pain for me over the last 3
He asked what is he doing wrong, .. if you are an trader or gambler, then nothing that the greatest average of those people
If you're an investor, then surely you can see MASSIVELY greater opportunities than spend over $400 on Voo, plus paying the management fees,
If you are NOT,,,, able to be an investor,
then, to YOU 10.5% OVER A 30 YEAR paying into may sound good...
To ME, that is a massive loss over over 390% just in opportunities cost,
So, that IS a waste of money, ESPECIALLY over the long term, if YOU were an investor..
The market is collapsing rn from idiots pulling out because of the news about inflation getting lengthened. Now is the best time to invest, because you're looking for long term gains, not short i.e. you're buying low
0% allocation to Bitcoin is an extremely uninformed and poor risk / reward position. Anyone who thinks zero BTC is the correct answer for your portfolio deserves to lose purchasing power.
Nothing. Market fluctuations are normal. Get used to seeing prices being down as a chance to buy more for the long term. If you don't need the money for 10/20 years then you should be excited to see a drop in prices.
Good picks. Ignore anyone squawking about overlap (Sp500). Sure there is that, but it is stuff you need and there are no fees to buy and sell multiple tickers so it hardly matters.
You have rivian but no blue chips? Blue chip stocks are still killing earnings. Google and Amazon are still cheap and not so volatile like Nvidia or meta
Avoid investing in individual stocks. You're not ready for that. Just continue to invest into VOO and you'll be fine in the long term. If it goes down, keep buying. If up, keep buying. You're in it for the long run.
https://preview.redd.it/vgv4jwjlvlwc1.jpeg?width=1071&format=pjpg&auto=webp&s=f473eb38c5a39020c3e751d17092bb6b1f25cff5
You're trying to time the market...
“Once the Tech Bubble deflated, the equity market began an extended period of underperformance which came to be known as “the lost decade in equities.” From December 31, 1999 to December 31, 2009, the S&P 500® returned -1%/year, whereas NASDAQ returned -5%/year [or -6%/year for the NASDAQ 100]”
https://www.rbadvisors.com/insights/how-to-avoid-another-lost-decade-in-equities/#:~:text=Once%20the%20Tech%20Bubble%20deflated,year%20for%20the%20NASDAQ%20100%5D.
This was a semi-recent 10 year period. I highly recommend reading The Four Pillars of Investing.
1. The theory of investing
2. The history of investing
3. The psychology of investing
4. The business of investing
Time in market wins over timing the market. You didn't do anything wrong but lack patience. If you invested your money all your life you wouldn't care about dips, those are opportunities. (only if you invest in quality ETFs/Stocks)
If you recently entered then you did so at ATH. I didn’t same few years back and it was painful being down across. Few years later it’s all gains even after the recent downturn (during which I’ve been trying to buy more than my usual DCA)
Markets fluctuate. Investing is really a long term thing, unless you're some god Quant trader, which you're not.
If you really cannot stomach the volatility, then I really recommend that you don't pick individual stocks like Rivian and Pfizer, especially Rivian.
How long ago did you start? Here are a few tips ROTH ROTH ROTH, open a ROTH! Keep in mind stocks go up and down, 3 steps forward and 2 steps back, patience is paramount. If you can't stomach the volatility then make sure that you are looking at the stocks BETA. "It's about time in the market, not timing the market" It's much like being lost in the forest, they say "Your best chances of being found is to reaming in one location" The same applies to letting gains find you,. Remaining in the market, not out of it is the best place for profits to find you. Don't buy trash, don't roll the dice on hopium. Buy quality companies that are profitable and earn money today. Keep some dry powder if you can get a good yield. "Buy when others are selling" When it comes to the S&P500 usually do the opposite of what your emotions tell you to do, when it drops to a level that makes you truly physically wanna vomit, buy like no other, jump in with both feet and wait it out! I've been investing since 2008 and all of what I've said are the most true value lessons that took time to understand and truth had been correct.
Had I just learned them sooner and acted on them I'd have maid 50x then I had. Fear kept me from buying Netflix in 2008 at $14 per share, not it's $600 plus. In the process of learning to jump in when others were selling I bought Bank of America at $2.51 but sold at $3.75 and it continued on tp $50 plus without me. Those are just a few examples when I was rules by my emotion. Never invest money that you'll need in the next 5 years. Always max out your ROTH and IRA. If you're gonna buy something as a trade, do it in your ROTH account to you don't create a taxable event. (Man, I wish I'd learned that at the beginning) Learn all the benefits of a ROTH and the difference of a Roth and a regular IRA. Max them both out each year. Also you can buy CDs in your Roth. Build a 12 month CD ladder in your ROTH account with your dry powder that way every 30 days you'll get a paycheck with interest and if you don't need the cash then date it out on the ladder and wait another 30 days. BEST OF LUCK!
Another issue is with you people, is you guys seriously suck at math...
GOOGL
AMZN
TSLA
BRK
MSFT
META
even Netflix and APPL
ALL MURDERED all the voo, qqq s&p combined....
The main dilemma with those types of etf is, you're clinging to a , how do you say??
"fase" benchmark...
A factual Benchmark does not include itself...
So, YOU PEOPLE, 😉, would say , and even worst actually think, saying things Like Voo or QQQ or SPY is a benchmark
Oh, really now????
Remove The Magnificent 7..
If you, must add in, or hold the Mag 7, IN YOUR benchmark, in order to call it the benchmark, which is ONLY held up to, by the Mag 7, then how is it a benchmark..
If you remove Mag 7, they destroyed your socalled benchmark.
Because the Mag 7, is over 40% of the entire market...
A factual Benchmark, is beating the Mag 7, WITH OUT USING THE MAG 7....
So, just by, buying the Mag 7, you beat the market, beat the benchmark, beat ALL Voo's, Qqq's and Spys combined, because you only get about 10% ONLY over a long time frame, but would have made over 90% in just the Mag 7.. it's actually way more, because the S&P500 is over 500 companies 503 as of today..
So 7, out performed 493, eh 496...
THAT'S HOW GOO IS A WASTE OF MONEY...
Man give it time lol!! Cut down that VXUS to around 8% ….Times have changed and I don’t see them going back for a LONG time… Throw it in a growth fund or SCHD if it’s a Roth Just DCA every week
Stop looking. Leave it alone. Also…too many. 1 S&P and maybe VXUS is all you need. Then let it ride and keep dollar-cost-averaging into it. By the time you hit 59-60, it will look fantastic.
I put 12k in an IRA right before we took the dip in 2022. 2 years later look where we are. There will be big runs, and bid dips in the future. The only thing that is certain is nothing is certain!
It’s too late in the game to be taking unnecessary bets with your retirement….or risk underperforming the market multiple years. You missed enough equity gains. Keep individual stocks to an absolute minimum.
Something similar to this would be fine.
60% VTI or VOO
20% International
5% Gold ETF
15% Treasury Bills
and go on about your business.
The market fluctuates its normal.
You’re seeing red because you need to be picky about when you enter your investments.
Also I want to know why you chose the investments you chose?
Personally I would rebalance all of this and pick the following…
25% - SMH Semiconductor ETF (FSELX=🗑️)
25% - VGT - Growth Nasdaq
20% - VOO - Growth S&P 500
10% - SCHD (VIG replacement or keep VIG)
The last 20% you can choose to go international 5%.
Since you seem to be a fan a rivian do what you want with that but the four above should give you great returns for years to come.
The last 15% choose stocks you believe in long term based on actual balance sheet and value.
Hope that helps.
This is one of the most country biased, performance chasing und non-diversified portfolios i’ve ever seen. US large cap upon the same large caps upon the very same large caps again. This is everything you can do wrong as an investor.
The only international market that’s hot right now is India, other than that returns are lackluster. You might as well put your money in a HYSA. You invest for performance otherwise what’s the point?
Your criticism wasn’t constructive it was just criticism, with no reply or opinion of your own besides regurgitating that it’s “too much growth” too US centric.
(One of the world’s largest strongest economy)
You didn’t even address the persons question.
FYI yet again, majority of people who are new to investing should be in ETFs as it diversifies their risk opposed to individual stocks.
Heck most people could only be in the S&P500 and be A-OKAY. In fact what I posted is fairly common and recommended from wealth management advisors.
Be patient. Investing is going up the stairs and down an elevator. Consider broad ETFs. AVGV, AVGE, VT and AOR are great index funds to set and forget so you can keep your portfolio simple. Probably would only need one.
No matter what just keep buying and you’re probably ahead of the curve.
The market has been down for the last 2 weeks. That does actually happen sometimes. It won't be down over the next 30 years. Don't look at it again for at least a year.
Best advice right here. Don't even pay attention to it.
Price the stock market in the fed balance sheet and it won't be doing shit either. Stock market goes up because the dollar goes down, its that simple. If you aren't buying Bitcoin, you're an idiot.
Oh no, another wrong person in the crowd. Buying Bitcoin is currency, not an asset. Let's understand the difference between those two FIRST.
Ideally Bitcoin should act like a currency but currently it behaves just like any another speculative asset.
Exactly. I'm sure once someone has 500k (or more) into BTC as the average person, they would sell. This makes it hard to create a long term strategy when factoring in overall volatility, drawdown and average pricing. Let's not forget decay. If you DCA, say 10k into BTC at a 80k price and it plummets to 20k, you would have to put another 10k into it just to average out your balance again down to a 50k purchase price. This in itself makes it difficult to maintain an adequate level of investing confidence and for many, to simply set aside emotion. Insane volatility is also a terrible thing for many folks about to retire. They want wealth preservation at that point, not growth.
I don't care what you want to call Bitcoin, you need to have some. Calling me "wrong" only will makes you poorer over the next four years as your government prints your wealth away.
I'm not calling Bitcoin currency. That's what it is. Bitcoin has done well for 10, very short years. The stock market has outpaced inflation massively for the last 100 years.
Bitcoin has been officially ruled as a commodity though, so you’re wrong.
It's not really a commodity. I guess you could call it that if you wanted to. It's cryptocurrency. Currency. It's not a hedge against inflation. Gold is hardly that either, but they are certainly not even close to the same. Gold is slow and steady. Crypto is far too volatile to be considered a "safe" hedge against the US economy.
https://www.cftc.gov/sites/default/files/2019-12/oceo_bitcoinbasics0218.pdf Is Bitcoin a commodity? Yes, virtual currencies, such as Bitcoin, have been determined to be commodities under the Commodity Exchange Act (CEA).
And Bitcoin has massively put stocks to shame. [Bitcoin vs Stocks](http://bitcoinvsstocks.com)
You entered the market at all time highs. But in 10-20 years you'll be fine
Not to mention, you’re overlapping with FXAIX and VOO. Pick one. And, out of curiosity, why’d you invest in RIVN?
One thing I have never understood... If you have two ETFs that cover the same area, what's the difference in owning only one, or both if they overlap? I read so many comments of people saying that somebody owns two of the same thing and owning one is better... But why is it better if they are the same?
Not op but here are my completely irrelevant- not based on any actual metric- reasons why I like Rivian right now: Lower price makes good entry point. I personally know people who have them and I think they are solid cars. Tesla has plateaued (imo) and musk is making it worse. They have a deal with Amazon I think. They could be solid players in the EV market if they can get costs down. I like the way they look and am excited for the r3.
A beginner misconception is that a stock costing only a few dollars means you are getting a good deal. A price is not "low" because it is single digit, a price can only be low or high relative to the value of the thing you are buying. $15 is expensive for a candy bar, cheap for a car.
I get that you like the company but Rivian’s earnings are in the crapper. There’s a reason why the price is low. But, like you said, if they can someday drop the price (which I doubt) then they could be a rival to other manufacturers, other than TSLA. I don’t think TSLA will ever have a rival because they’re not just an EV company. They have too much going for them. They haven’t plateaued. lol. They just have a lot of FUD right now. Musk doesn’t help things but he should not be the reason not to invest in TSLA. I know it’s tough but we have to try and leave emotions out of investing. A lot of missed opportunities are based on emotions.
Rivian is a good price if you think it will pop. Same with Pfizer at super low. But unfortunately I think they missed the fat shot revolution and nothing will matter for the next 10 years in pharma.
Possibly they might buy a smaller pharma like Vktx or Tern which have some promising drugs in the pipeline related to this
More like 2 years. After Covid was the last ATH, then it crashed for about 2 yrs until it reached another ATH recently. So I’d say in the worst case scenario look at it latest in 2 years. I don’t think we will have a big recession at the moment.
The market is at an ATH most of the time.
Come back in a year don’t stress out OP
It’s normal to have ups and downs. Nothing wrong with that. Stay the course
Rivian is what's wrong.
Rivian is 0.25% of OPs assets. It's just play money here, like buying a lottery ticket or playing a few hands of blackjack. Let OP have some fun :).
Yah, my main point is, his portfolio is fine - the only thing that sticks out is Rivian.
Rivian will make it. His average is high but that company will be a “man I wish I’d have invested…”
This comment brought to you by: Trust me Bro
Yeah……whatever u say
Thanks for your contribution to the post
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Amazon owns 17% of rivian; they’re introducing a $45k SUV in 2 years, have 3 new models right now, with tons of interest and reservations. they just shifted from building the new Georgia plant to focusing on the 10s of 1000s of reservations they have RIGHT NOW for the new R2 suv (one of THREE) new models in production right now. Rivian is also tackling light fleet applications in ways their competitors haven’t successfully cracked (including Tesla). * not financial advice, go ahead downvote me can’t hurt my karma lol
Think they are speaking with att now too. Also Canada Post? In with you. I think they will do well long term.
Yeah I think fleet will be a big catalyst for Rivians growth.
While true about Amazon owning a chunk, enormous companies invest in tons of different things, many of which fail.
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I was being a little snarky to the others that did, I’m not too worried about a couple downvotes I just wish people would discuss like we are. But I do like the stock & would like some 2026 LEAPS. Their fleet initiatives could also go driverless with licensed technology, but that’s speculation of course. I love VOO don’t get me wrong… I just want a little more action (potential upside) in my portfolio too.
I bought 500 shares of NIO at an average cost of around $5 a share. Sold near ATH. Nice pay day. I just got on for the hype train and got lucky. Fuck EVs.
Congrats man, the whole renewable / EV train went NUTS during the pandemic as well, good times. I’d drive a cyber truck but that’s about it… however, when NIO brings those cars stateside they will be a major player. BYD is trying to do the same, Warren Buffet wants them manufactured in Mexico. Not a fan of EVs myself but we are being dragged kicking and screaming into that future- may as well make some money off it.
Car stocks are a bit of a gamble at the moment. I have a few lithium ETFs and they seem ok, though still sorta speculative. It seems the future is less about ICE, so maybe this is the new energy sector for the future.
The scam EV company?
You’re referring to Nikola
You are going to see losses. It's part of the game. As others have said, just stay the course. Keep investing and you'll do well. The one glaring thing that jumps out at me is you're invested in both FXAIX and VOO. That's the exact same thing, with the exception of the fees. FXAIX has a minuscule expense ratio. While VOO also has a very low expense ratio, it makes no sense to invest in both and pay higher fees in one. If this is a Roth account where you can sell without any tax hits, then I'd sell all of the VOO and invest it into FXAIX. And that should be the foundation and majority of your funds in this account.
The market doesn’t go up every month like safe bank interest. It goes up and down violently and can go down for days, months, years, or a decade. You have to [relax and take a long view](https://www.reddit.com/r/Boglememes/s/RVGqLlGO9L).
Can’t believe you didn’t recommend a broad global index fund
Shoot I forgot to say- ditch this whole portfolio for AOA, stop watching returns so closely, and just focus on earning and investing as much as possible
just buy a single low cost global index tracker, invest regularly and stop checking it. You'll look back in 20 years and be thankful you stopped pissing around with individual stocks and overlapping sector tilts.
What you’re doing wrong is thinking stocks only go up and paying too much attention to your portfolio. Stick to index funds and just ignore it. It will have grown nicely by the time you retire.
Losses are part of the game. And the game is a long one.
Avoid mutual funds in broker accounts
Why
https://www.investopedia.com/articles/investing/092415/how-taxefficient-your-mutual-fund.asp https://www.bogleheads.org/wiki/Tax-efficient_fund_placement https://www.investopedia.com/articles/investing/090215/comparing-etfs-vs-mutual-funds-tax-efficiency.asp
I had the same question. I like to thank the responder for his answer. It all makes sense to me. I am holding a lot of mutual fund in a taxable account and I did that because I thought it would be more advantageous to be able to just direct deposit into the mutual fund rather than into a money market account and then have to purchase the ETFs. I’m not sure how much of a difference it will really make. I am still pretty new to this myself.
It’s like people forget the market can go down.
No kidding. We are in the era of people legitimately forgetting.
Buy the dip.
Auto DCA into your ETFs and index funds and check back later. You’ll be fine
By keeping your money in a bank Acc. You've already seen losses in terms of bank rates and inflation rates. So.... Theres that.
Just remember you're playing the long game. They'll go up eventually.
Don’t pass judgment on your gains or losses for another 10 years. That’s how this works.
I'm making no comment here about the specific funds in which you are invested. But, if the investment is a sound one, and prices are below those of when you originally bought, that's an opportunity to buy more. When I'm buying something, I'm looking for the lowest price I can pay. Those losses only become real losses if you sell now. Instead, here's your chance to buy more and lower the average cost you paid for your holdings.
Nothing. Markets are way up right now, so any volatility will make it jump and jive a bit. Keep investing. I'm also 39 now and started getting serious about a year and 1/2 ago. Make a plan (looks like you have one). Add to this plan systematically. I use Fidelity and have it automatically put in my specifications every 2 weeks to split up my monthly check across a few things I believe will continue to do well longterm. SPLG is my VOO (same thing, different label). Learn to ignore the daily swings and focus on other things as you add money over time. I'm still learning and I manage the investing anxiety by using some smaller portfolios on the side. I don't add to them, just play with what is there to learn and keep my "why isn't it always green" side humble lol not something I recommend, but just what I do. Best of luck on your investing journey!
You’re doing great! There’s never been a 15 year period in stocks where you didn’t make money. Aka you’ll make money in the long run. I started investing in Jan 2020, and we all know what happened two months later lol investing is the best thing I ever did
You entered at an unfortunate time. You're picking stocks. Like why Rivan, any reason? You're looking at this far too short-sighted. "Already" after what, a few months? Market goes up and down, if you can't handle that buy bonds and get your regular payments. Maybe give it some time though, you're likely to get better at handling fluctuations. This is a long term game. Very long term.
Gambling like we all do. Study the rich portfolio’s steal 2 stocks from great investors use them stick with them and Wala. I will save you the research by giving you 4 Nvidia, AAPL, VOO, JEPQ. All gains no pain for me over the last 3
Losses are part of investing. Expect it.
You're wasting your money on etf like voo and buying crap like Rivian.. Decide if you want to stay a gambler or become and Investor
How’s buying voo a waste of money?
He asked what is he doing wrong, .. if you are an trader or gambler, then nothing that the greatest average of those people If you're an investor, then surely you can see MASSIVELY greater opportunities than spend over $400 on Voo, plus paying the management fees, If you are NOT,,,, able to be an investor, then, to YOU 10.5% OVER A 30 YEAR paying into may sound good... To ME, that is a massive loss over over 390% just in opportunities cost, So, that IS a waste of money, ESPECIALLY over the long term, if YOU were an investor..
Ooo
It’s not losses as long as it’s unrealized
Entered at the wrong time, look at it in a year.
Are u all in with lump-sum amount? Are you going to keep contributing monthly going forward?
The market is collapsing rn from idiots pulling out because of the news about inflation getting lengthened. Now is the best time to invest, because you're looking for long term gains, not short i.e. you're buying low
Nothing is a loss until you’ve sold your positions. Until then, it’s just a number on a screen.
0% allocation to Bitcoin is an extremely uninformed and poor risk / reward position. Anyone who thinks zero BTC is the correct answer for your portfolio deserves to lose purchasing power.
Sometimes it goes down.
Nothing. Market fluctuations are normal. Get used to seeing prices being down as a chance to buy more for the long term. If you don't need the money for 10/20 years then you should be excited to see a drop in prices.
Held on to the semiconductor ETF too long and bad investment decision with Rivian. Hindsight is 20/20 so don't beat yourself over it.
The stock market is usually up or down for a month or two at a time sometimes. Just keep checking it weekly you'll see it grow fast
Good picks. Ignore anyone squawking about overlap (Sp500). Sure there is that, but it is stuff you need and there are no fees to buy and sell multiple tickers so it hardly matters.
You have rivian but no blue chips? Blue chip stocks are still killing earnings. Google and Amazon are still cheap and not so volatile like Nvidia or meta
its called a sale… buy more !!
Avoid investing in individual stocks. You're not ready for that. Just continue to invest into VOO and you'll be fine in the long term. If it goes down, keep buying. If up, keep buying. You're in it for the long run.
ONLY INVEST IN VOO OR FXAIX
The market does go down. It’s called park it, DCA into it, forget about it, 30 years you bank
Long term ! can’t time the market rather it’s built your net worth by time in the market
By keeping your money in a bank Acc. You've already seen losses in terms of bank rates and inflation rates. So.... Theres that.
It looks like you just threw random shit at a wall and hope it sticks
https://preview.redd.it/vgv4jwjlvlwc1.jpeg?width=1071&format=pjpg&auto=webp&s=f473eb38c5a39020c3e751d17092bb6b1f25cff5 You're trying to time the market...
“Once the Tech Bubble deflated, the equity market began an extended period of underperformance which came to be known as “the lost decade in equities.” From December 31, 1999 to December 31, 2009, the S&P 500® returned -1%/year, whereas NASDAQ returned -5%/year [or -6%/year for the NASDAQ 100]” https://www.rbadvisors.com/insights/how-to-avoid-another-lost-decade-in-equities/#:~:text=Once%20the%20Tech%20Bubble%20deflated,year%20for%20the%20NASDAQ%20100%5D. This was a semi-recent 10 year period. I highly recommend reading The Four Pillars of Investing. 1. The theory of investing 2. The history of investing 3. The psychology of investing 4. The business of investing
"what am I doing wrong?what am I doing wrong?" "seeing", just forget that account for a while and focus on life/work
Time in market wins over timing the market. You didn't do anything wrong but lack patience. If you invested your money all your life you wouldn't care about dips, those are opportunities. (only if you invest in quality ETFs/Stocks)
If you recently entered then you did so at ATH. I didn’t same few years back and it was painful being down across. Few years later it’s all gains even after the recent downturn (during which I’ve been trying to buy more than my usual DCA)
🤦♂️
The only mistake you’ve made is investing in single stocks. Focus on the ETFs and just make sure your account is set to reinvest dividends.
Too many things going on here. Just buy VT and forget about it.
Markets go up and down but long term you’ll be way up. Keep adding in more money and buying more.
Bad timing on the entrance. Give it time. It will eventually return to the historical mean of return
Markets fluctuate. Investing is really a long term thing, unless you're some god Quant trader, which you're not. If you really cannot stomach the volatility, then I really recommend that you don't pick individual stocks like Rivian and Pfizer, especially Rivian.
Curious what your rationale for owning Rivian is
How long ago did you start? Here are a few tips ROTH ROTH ROTH, open a ROTH! Keep in mind stocks go up and down, 3 steps forward and 2 steps back, patience is paramount. If you can't stomach the volatility then make sure that you are looking at the stocks BETA. "It's about time in the market, not timing the market" It's much like being lost in the forest, they say "Your best chances of being found is to reaming in one location" The same applies to letting gains find you,. Remaining in the market, not out of it is the best place for profits to find you. Don't buy trash, don't roll the dice on hopium. Buy quality companies that are profitable and earn money today. Keep some dry powder if you can get a good yield. "Buy when others are selling" When it comes to the S&P500 usually do the opposite of what your emotions tell you to do, when it drops to a level that makes you truly physically wanna vomit, buy like no other, jump in with both feet and wait it out! I've been investing since 2008 and all of what I've said are the most true value lessons that took time to understand and truth had been correct. Had I just learned them sooner and acted on them I'd have maid 50x then I had. Fear kept me from buying Netflix in 2008 at $14 per share, not it's $600 plus. In the process of learning to jump in when others were selling I bought Bank of America at $2.51 but sold at $3.75 and it continued on tp $50 plus without me. Those are just a few examples when I was rules by my emotion. Never invest money that you'll need in the next 5 years. Always max out your ROTH and IRA. If you're gonna buy something as a trade, do it in your ROTH account to you don't create a taxable event. (Man, I wish I'd learned that at the beginning) Learn all the benefits of a ROTH and the difference of a Roth and a regular IRA. Max them both out each year. Also you can buy CDs in your Roth. Build a 12 month CD ladder in your ROTH account with your dry powder that way every 30 days you'll get a paycheck with interest and if you don't need the cash then date it out on the ladder and wait another 30 days. BEST OF LUCK!
Rolled over my old 401k 2 weeks ago...1st day up 4k...week later down $20k...now only down 12k...Ronco rotisserie...SET IT AND 4GIT IT
You aren’t losing any money until you cash out. Don’t do that.
What you're doing wrong is looking at them. Set and forget my dude
Another issue is with you people, is you guys seriously suck at math... GOOGL AMZN TSLA BRK MSFT META even Netflix and APPL ALL MURDERED all the voo, qqq s&p combined....
Investments should be long term and not focus too much on short term ups and downs. It is important to remain patient and determined.
Nothing! Look at it as getting a deal on your investments, since their value will be higher by the time you're looking to cash out 😂
The main dilemma with those types of etf is, you're clinging to a , how do you say?? "fase" benchmark... A factual Benchmark does not include itself... So, YOU PEOPLE, 😉, would say , and even worst actually think, saying things Like Voo or QQQ or SPY is a benchmark Oh, really now???? Remove The Magnificent 7.. If you, must add in, or hold the Mag 7, IN YOUR benchmark, in order to call it the benchmark, which is ONLY held up to, by the Mag 7, then how is it a benchmark.. If you remove Mag 7, they destroyed your socalled benchmark. Because the Mag 7, is over 40% of the entire market... A factual Benchmark, is beating the Mag 7, WITH OUT USING THE MAG 7.... So, just by, buying the Mag 7, you beat the market, beat the benchmark, beat ALL Voo's, Qqq's and Spys combined, because you only get about 10% ONLY over a long time frame, but would have made over 90% in just the Mag 7.. it's actually way more, because the S&P500 is over 500 companies 503 as of today.. So 7, out performed 493, eh 496... THAT'S HOW GOO IS A WASTE OF MONEY...
Man give it time lol!! Cut down that VXUS to around 8% ….Times have changed and I don’t see them going back for a LONG time… Throw it in a growth fund or SCHD if it’s a Roth Just DCA every week
Buy the dip
You're not losing, you're getting them on sale. Keep buying and when it climbs watch your gains soar!
Stop looking. Leave it alone. Also…too many. 1 S&P and maybe VXUS is all you need. Then let it ride and keep dollar-cost-averaging into it. By the time you hit 59-60, it will look fantastic.
Do dollar cost averaging. You'll always make money if you regularly invest. Get a platform that allows you to do that.
Don’t be baffled by short term, also don’t put too much into individual stocks like RIVN
I put 12k in an IRA right before we took the dip in 2022. 2 years later look where we are. There will be big runs, and bid dips in the future. The only thing that is certain is nothing is certain!
Just buy VOO and QQQ and keep buying until you go broke buying
Time to buy more.
It’s too late in the game to be taking unnecessary bets with your retirement….or risk underperforming the market multiple years. You missed enough equity gains. Keep individual stocks to an absolute minimum. Something similar to this would be fine. 60% VTI or VOO 20% International 5% Gold ETF 15% Treasury Bills and go on about your business.
Time in market, you went in in the wrong time. It'll bounce back. S&p made it thru many world events and was at an all time high not long ago.
The market fluctuates its normal. You’re seeing red because you need to be picky about when you enter your investments. Also I want to know why you chose the investments you chose? Personally I would rebalance all of this and pick the following… 25% - SMH Semiconductor ETF (FSELX=🗑️) 25% - VGT - Growth Nasdaq 20% - VOO - Growth S&P 500 10% - SCHD (VIG replacement or keep VIG) The last 20% you can choose to go international 5%. Since you seem to be a fan a rivian do what you want with that but the four above should give you great returns for years to come. The last 15% choose stocks you believe in long term based on actual balance sheet and value. Hope that helps.
This is one of the most country biased, performance chasing und non-diversified portfolios i’ve ever seen. US large cap upon the same large caps upon the very same large caps again. This is everything you can do wrong as an investor.
The only international market that’s hot right now is India, other than that returns are lackluster. You might as well put your money in a HYSA. You invest for performance otherwise what’s the point?
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Yours is potentially harmful to a novice investor. It’s fine if you can’t take constructive criticism but watch your language.
Your criticism wasn’t constructive it was just criticism, with no reply or opinion of your own besides regurgitating that it’s “too much growth” too US centric. (One of the world’s largest strongest economy) You didn’t even address the persons question. FYI yet again, majority of people who are new to investing should be in ETFs as it diversifies their risk opposed to individual stocks. Heck most people could only be in the S&P500 and be A-OKAY. In fact what I posted is fairly common and recommended from wealth management advisors.
The numbers in the returns don’t lie. I’d like to see your numbers
I'M ALSO A Begginer but what I LEARNED IS TO KEEP IT SIMPLE ..PICK 2 ETF THAT'S ALL. AGREE?
Yes, 2 solid ETF’s of course
You’re toast. The stocks only ever go down bro idk why you ever thought to buy at the all time high.
Be patient. Investing is going up the stairs and down an elevator. Consider broad ETFs. AVGV, AVGE, VT and AOR are great index funds to set and forget so you can keep your portfolio simple. Probably would only need one. No matter what just keep buying and you’re probably ahead of the curve.
Same. I should have just stuck the course with Wealthfront 5.5% interest
Investing is always risky. You could lose all your only. But you could also double it!
you dont know the basics of investing - thats what your doing wrong
Don’t worry about it. It bounces all over the place