Join Early Retirement Today
View Poll Results: What percentage are you down so far?
Down 0% to -10% 107 33.86%
Down -11% to -20% 155 49.05%
Down -21% to -30% 50 15.82%
Down -31% or higher 4 1.27%
Voters: 316. You may not vote on this poll

Reply
 
Thread Tools Search this Thread Display Modes
Old 04-08-2020, 10:29 AM   #161
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
mickeyd's Avatar
 
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,526
Quote:
I don't know but I just hope. He is going to have us both in a 50/50 allocation. We will see.

Sounds to me like you lack confidence in your Fido FA.
__________________
Part-Owner of Texas

Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx

In dire need of: faster horses, younger woman, older whiskey, more money.
mickeyd is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-08-2020, 11:02 AM   #162
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
youbet's Avatar
 
Join Date: Mar 2005
Location: Chicago
Posts: 12,382
Quote:
Originally Posted by DallasGuy View Post
I'm slightly up...I sold all of my equities with the exception of some annuities (which can't go down) a year ago. In the following 8-10 months after I sold everything, I was disappointed I missed out on the further run up in the markets but now I'm feeling good with my decision. I believe in investing with buy, hold AND SELL strategies. Nothing goes up forever and bear markets are somewhat cyclical and usually don't end quickly so you usually have plenty of time to get back into the market at reasonable prices.
Soooo....... what's your plan for getting back in, if you plan get back in?
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
youbet is offline   Reply With Quote
Old 04-08-2020, 11:10 AM   #163
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
youbet's Avatar
 
Join Date: Mar 2005
Location: Chicago
Posts: 12,382
Schwab's summary page includes a very nice tool for calculating and displaying your gain/loss over time. Since 97% of my FIRE stash is there (everything but some local B and M bank deposits), these are reasonably accurate numbers reflecting our overall performance, all in.

This morning I'm down 12.19% YTD. I'm ahead of where we were two years ago but behind where we were one year ago in terms of total account value. Currently (after the market has done some auto-balancing!) the AA is 51/35/14.
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
youbet is offline   Reply With Quote
Old 04-08-2020, 02:56 PM   #164
Thinks s/he gets paid by the post
 
Join Date: Oct 2017
Location: Chapel Hill, NC
Posts: 4,772
I finally looked at my investments today, first time since the beginning of February. While the absolute dollars I am down is ALOT, the percentage I am down since 2/1/2020 is 7%. I have a conservative allocation--40% stocks/ 60% bonds, mm, cds. I started a separate tread about my international fund. It is time for me to rebalance but I don't have the nerve to do it yet. So I will just hold tight.
harllee is online now   Reply With Quote
Old 04-09-2020, 07:45 AM   #165
Thinks s/he gets paid by the post
 
Join Date: Jan 2013
Location: SoCal, SE Florida, Lausanne
Posts: 2,958
Up 3% YTD as of yesterday. 70% corporate bonds and CDs and 30% cash/MM. My bond premiums are coming back pretty fast. The Fed just announced that it will be buying high yield bonds. I have a large position of high yield in technology and telecom companies. Those bonds were already trading well above par and are likely to get an even bigger boost. I will be selling off short and medium term investment grade notes that have coupons under 4.25% if the premiums rise to the point where their YTM is lower than CDs. I want to go to 40% cash and wait for the next sell-off.
Freedom56 is offline   Reply With Quote
Old 04-09-2020, 06:00 PM   #166
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,689
-15.8% ytd on 100% equities. Interesting market to watch the last few weeks, although I missed the first week of real excitement due to being on a cruise Mar 7-14. At one point I was down 50% from my mid-Feb high (44% ytd).
__________________
learn, work, save, invest, fire
CyclingInvestor is offline   Reply With Quote
Old 04-09-2020, 06:28 PM   #167
Full time employment: Posting here.
ESRwannabe's Avatar
 
Join Date: Mar 2010
Posts: 869
Quote:
Originally Posted by CyclingInvestor View Post
-15.8% ytd on 100% equities. Interesting market to watch the last few weeks, although I missed the first week of real excitement due to being on a cruise Mar 7-14. At one point I was down 50% from my mid-Feb high (44% ytd).

If the market keeps going up I'll be back to even in about a week. I've already made back around 2/3 of what I was down.
ESRwannabe is offline   Reply With Quote
Old 04-09-2020, 06:33 PM   #168
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
RobbieB's Avatar
 
Join Date: Mar 2016
Location: Central CA
Posts: 8,378
20%
__________________
Retired at 59 in 2014. Should have done it sooner but I worried too much.
RobbieB is online now   Reply With Quote
Old 04-09-2020, 06:50 PM   #169
Recycles dryer sheets
 
Join Date: Oct 2013
Posts: 160
10% as of today
momoftwo is offline   Reply With Quote
What percentage are you down so far?
Old 04-09-2020, 07:03 PM   #170
Full time employment: Posting here.
 
Join Date: Oct 2016
Location: Pinetops
Posts: 521
What percentage are you down so far?

Down 6 1/2 percent from February High. Only 35% stock and I received a reprieve this morning from the Fed. I own a 4.3% Ford bond which is due in late 2023. The bond was trading at .72 on the dollar prior to the announcement. Now, Iíll carry it to maturity. It also didnít hurt that I picked up some RCL earlier in the week in the mid 20ís.
__________________
I

ER 12/15/2017
Now: Side Hustle(r) Extraordinaire
IMATERP is offline   Reply With Quote
Old 04-09-2020, 07:43 PM   #171
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
MRG's Avatar
 
Join Date: Apr 2013
Posts: 10,687
Down 10%. Not as bad as I expected.
MRG is offline   Reply With Quote
Old 04-09-2020, 09:04 PM   #172
Thinks s/he gets paid by the post
jimbee's Avatar
 
Join Date: Oct 2010
Posts: 1,054
Quote:
Originally Posted by RobbieB View Post
20%
RobbieB, is that year to date? Vanguard Total Stock Market Index Fund (VTSAX), is only down 14.5% YTD.
jimbee is offline   Reply With Quote
Old 04-09-2020, 10:44 PM   #173
Recycles dryer sheets
 
Join Date: Mar 2016
Location: SoCal
Posts: 352
the power of over rebalancing in a down market:

so I decided to over rebalance from 60/40 to 96/04 between DOW 25,409-18,576 with over 580K of purchases, I am now only down 4.4% YTD and back to October 2019 level.
targatom2019 is offline   Reply With Quote
Old 04-10-2020, 04:08 AM   #174
Thinks s/he gets paid by the post
Markola's Avatar
 
Join Date: Nov 2013
Location: Twin Cities
Posts: 3,274
-7.6% YTD as of last night. 50/50 that auto-rebalances.
Markola is offline   Reply With Quote
Old 04-10-2020, 05:37 AM   #175
Full time employment: Posting here.
 
Join Date: Sep 2017
Posts: 733
Looking at my IRA and my 401K, the AA for current holdings is 60/40.
However, for my 401K I had changed my contributions to 100% equities 2 months ago.
albireo13 is offline   Reply With Quote
Old 04-10-2020, 07:09 AM   #176
Thinks s/he gets paid by the post
 
Join Date: Jun 2017
Location: Western NC
Posts: 3,631
Zero...I sold everything last year to tax loss harvest and have been too nervous to get back in...
ncbill is offline   Reply With Quote
Old 04-10-2020, 07:58 AM   #177
gone traveling
 
Join Date: Dec 2013
Posts: 21
On 3/23, my balance was down roughly 30%. I panicked, contacted our Vanguard advisor, and asked to move everything into cash. He calmed me down, said that would be a huge mistake and suggested we adjust our allocation (from 60/40 to 75/25); He sold some bonds & bought some stocks. Since then the market has increased, along with our balance; we're currently down 10%.



I am so grateful he talked some sense into me. I know better...I guess I just needed to hear it from him.


I am, however, still uneasy about the future of this market; now I"m contemplating changing the allocation back to 60/40 (now that my balance has gotten back to my comfort zone). Any thought on this?
lalanian6 is offline   Reply With Quote
Old 04-10-2020, 09:10 AM   #178
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 11,879
Quote:
Originally Posted by lalanian6 View Post
On 3/23, my balance was down roughly 30%. I panicked, contacted our Vanguard advisor, and asked to move everything into cash. He calmed me down, said that would be a huge mistake and suggested we adjust our allocation (from 60/40 to 75/25); He sold some bonds & bought some stocks. Since then the market has increased, along with our balance; we're currently down 10%.



I am so grateful he talked some sense into me. I know better...I guess I just needed to hear it from him.


I am, however, still uneasy about the future of this market; now I"m contemplating changing the allocation back to 60/40 (now that my balance has gotten back to my comfort zone). Any thought on this?
My thought is that you need an allocation that doesn't keep you at night.

For me, I use the (100 - my age) rule of thumb formula as for what percentage to keep in equities. That way, I don't let my fear and greed get in the way. I focus on the math percentage calculation and not what happens externally. Plus, I save a phone call not having to call someone to calm me down .
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
What percentage are you down so far?
Old 04-10-2020, 09:25 AM   #179
Thinks s/he gets paid by the post
RetireAge50's Avatar
 
Join Date: Aug 2013
Posts: 1,598
What percentage are you down so far?

-10.6% ytd as of last night 69/18/13
RetireAge50 is online now   Reply With Quote
Old 04-11-2020, 05:54 AM   #180
Full time employment: Posting here.
 
Join Date: Aug 2015
Posts: 963
Up 6% YTD with 30/20/50
Perryinva is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
S&P down about 3.5% so far, time to buy yet? dvalley Active Investing, Market Strategies & Alternative Assets 57 06-17-2019 10:00 AM
43 and living life in NY & FL - Am I close to FIRE or far far away? beeboy Hi, I am... 55 05-23-2019 05:25 PM
How Far Down Do You See? easysurfer Health and Early Retirement 25 05-23-2019 11:14 AM
How far will you ride the market down ? Moemg FIRE and Money 179 03-25-2009 09:32 AM

» Quick Links

 
All times are GMT -6. The time now is 12:22 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.