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View Poll Results: Your behavior during latest market downturn ?
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Bought
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53 |
23.25% |
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Sold
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7 |
3.07% |
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Did nothing
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153 |
67.11% |
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What downturn
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15 |
6.58% |
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10-18-2014, 10:58 AM
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#21
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Full time employment: Posting here.
Join Date: Jan 2013
Posts: 680
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I reached my thresholds for purchasing international stocks and U.S. small caps earlier this week, so I am a net stock purchaser so far. More significantly, I reached my thresholds for selling bonds for the umpteenth time in 2014, so I sold a bunch of bonds early in the week. The bond rally subsided a bit by week's end, so I repurchased some of the bonds I sold earlier, making a small profit on the round trip.
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10-18-2014, 10:59 AM
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#22
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 46,759
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+1
Today I am right at my planned AA. I was a little off due to market gains earlier in the year, but this recent sell-off took care of that for me.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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10-18-2014, 11:11 AM
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#23
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2008
Posts: 12,194
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I did nothing.
Oh, ok. I checked to see the stock ticker to see how many points the dow dropped. Other than that, nothing.
__________________
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
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10-18-2014, 11:13 AM
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#24
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Recycles dryer sheets
Join Date: Jun 2012
Posts: 88
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I bought.
Due to some personal life changes, I had rebalanced my portfolio from 65% to 60% equities right before the volatility started. For once I timed the market correctly!
The ensuing market drop put my equity % lower than I preferred so I bought some more shares with new money and with rebalancing from bonds to equities on a few down days. I probably could have left it alone but for now at least I am back at 60% equities.
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10-18-2014, 11:14 AM
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#25
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Thinks s/he gets paid by the post
Join Date: Nov 2011
Posts: 3,517
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I sold some during September, have yet to buy back in.
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10-18-2014, 11:27 AM
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#26
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Recycles dryer sheets
Join Date: May 2012
Posts: 421
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Made Roth contribution with excess cash, did a back door Roth conversion and sold an after tax fund that has been languishing with a loss. Drank some really good Pinot.
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10-18-2014, 11:38 AM
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#27
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Thinks s/he gets paid by the post
Join Date: Jun 2014
Posts: 1,069
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funded wifes and my roths for the year, bought Thursday and Friday.
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10-18-2014, 11:57 AM
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#28
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Thinks s/he gets paid by the post
Join Date: Jun 2007
Posts: 2,657
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Did nothing. I rebalanced about six weeks ago, so it's tempting to think I could have bought back in at lower prices, but my plan is to rebalance every 18 month or so, or if things get more than 10% out of whack. This wasn't even close to that band.
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Your behavior during latest market downturn ?
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10-18-2014, 12:06 PM
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#29
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Moderator Emeritus
Join Date: May 2007
Posts: 12,876
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Your behavior during latest market downturn ?
 Quote:
Originally Posted by REWahoo
There was a market downturn?
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+1
So far, I consider this downturn to be a non-event. I bought a small amount of international equities on the dollar strength, but that's it.
__________________
47 years old, single, no kids. Exited the job market in 2010 (age 36). Have lived solely off my investments since 2015 (age 41). No pensions.
Current AA: real estate 64% / equities 10% / fixed income 16% / cash 10%
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10-18-2014, 12:41 PM
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#30
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Recycles dryer sheets
Join Date: Aug 2011
Location: aberdeen
Posts: 267
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Did a lot of reading, both about the financial cycle and stock picking.
I learn not to react to volatile markets. I may buy some stocks on the dips and sell some shares of a stock that has appreciated thru the years.
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10-18-2014, 01:19 PM
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#31
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Administrator
Join Date: Apr 2006
Posts: 20,486
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Technically, I guess I was a buyer, since the young wife and I buy stock every two weeks through our 403b and 457 plans. But other than that, I've done nothing since buying a load of SDY on August 1.
__________________
Living an analog life in the Digital Age.
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10-18-2014, 01:48 PM
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#32
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Thinks s/he gets paid by the post
Join Date: Feb 2012
Location: Tampa Bay Area
Posts: 1,866
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I had been thinking about my AA lately and felt that 50/30/20 might not be "ideal" and wanted to get to 55 / 35 / 10 so I made that happen during the blip. I still have a few years worth of expense in cash and short term bonds to ride out most of a larger downturn during my first few years of ER so I wasn't worried about investing more at this point. The blip just gave me a little extra courage.
__________________
"For the time being no discipline brings joy, but seems grievous and painful; but afterwards it yields a peaceable fruit of righteousness to those who have been trained by it." ~
Hebrews 12:11
ER'd in June 2015 at age 52. Initial WR 3%. 50/40/10 (Equity/Bond/Short Term) AA.
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10-18-2014, 02:26 PM
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#33
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Full time employment: Posting here.
Join Date: Jan 2014
Location: Austin
Posts: 656
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I exchanged a bond fund on a day it was up for Wellington on a day it was down and effectively changed my AA from 60/40 to 65/35.
__________________
ER'd 6/1/2014 @ age 53. Wow, is it already 2022?
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10-18-2014, 03:44 PM
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#34
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Full time employment: Posting here.
Join Date: Apr 2006
Posts: 944
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I bought some VG S&P. I felt to heavy in VG Inflation Protected Treasury. Switched about 5% of portfolio in a 401K account (no tax issues). Bought the VIPIX several years ago and am sick of the low returns - now inflation will take off  . I will have no need for this money for many years and decided to go more aggressive...kind of like my 3rd bucket, if you will  .
I will try and sit on my hands for the rest of the year.
__________________
Freed at 49. You only live once - live it
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10-18-2014, 03:53 PM
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#35
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,540
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I don't buy on hunches but don't sell either. Just set it at 65% equities, lop it off if it goes higher but now it's down to 63.7%.
PE ratios (and PE10) come down as the Price comes down so I'm not likely to sell in the near future. I do have a plan though based on backtesting to 1920's. Mostly it is buy-hold.
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10-18-2014, 03:54 PM
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#36
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2009
Posts: 6,470
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+1. In my IRA, I went from slightly over 50/50 to slightly under 50/50, always within my range not to rebalance.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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10-18-2014, 05:08 PM
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#37
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Dryer sheet wannabe
Join Date: Apr 2006
Posts: 11
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+1. Still within my rebalance bands also.
Sent from my DROID RAZR HD using Early Retirement Forum mobile app
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10-18-2014, 05:29 PM
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#38
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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I tax-loss harvested and sold some of the replacement securities at a profit. Then exchanged some bond fund shares for equity fund shares. I intend to purchase more equities soon.
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10-18-2014, 05:29 PM
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#39
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Thinks s/he gets paid by the post
Join Date: Nov 2009
Location: SF East Bay
Posts: 4,121
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I haven't done anything. My AA is 60/35/5 stocks/bonds/cash (in reality, probably closer to 60/37/3 but I don't want to split hairs). I don't know how the recent correction (or whatever it turns out to be) has changed that as I haven't checked my balances. If my AA gets too far away from my target for too long, then I'll rebalance but otherwise, doing nothing is beguilingly easy.
__________________
Contentedly ER, with 3 furry friends (now, sadly, 1).
Planning my escape to the wide open spaces in my campervan (with my remaining kitty, of course!)
On a mission to become the world's second most boring man.
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10-18-2014, 05:37 PM
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#40
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: South central PA
Posts: 3,214
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I did nothing. No need to overreact to an expected correction.
Sent from my iPhone using Early Retirement Forum
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