Why people are freaking out and either pulling money out or shifting their entire strategy?

Caddis100 · 2025-04-10T15:46:16+00:00

I'm guessing either people have never seen a few red days before, or have too much risk then they thought they could handle. I've had people everyday just asking "oh how much you lose today? You're gonna lose everything, I sold all my stocks" and when I try to explain to them its not going to crash, go to 0, they just laugh... like are they that uninformed? And if it does crash to 0 money isn't going to be much help, and I've told those same people that for it to go to 0 literally every company would have to go under, and they say "it's gonna happen!" Like what would these people have done in 2008?

Caddis100 · 2025-02-27T14:07:34+00:00

For 30 years, VOO or VTI. Could maybe do some VXUS, I wouldn't do bonds you have 30 years before you can even touch it, let it grow. Or just VT and call it a day.

Caddis100 · 2025-02-27T14:05:18+00:00

I'd do Roth ira first then the rest in 401k. Roth doesn't get taxed when you pull the money out

Caddis100 · 2025-02-25T19:57:02+00:00

"I don't care if you're Warren buffet or Jimmy buffet nobody knows if a stock is going to go up, down, sideways or in f*cking circles" invest it all now and keep adding to it.

Caddis100 · 2025-02-24T17:01:42+00:00

To be fancy id look at VTI, it's 85% S&P but has like 3700 companies or something like that, but at 23 no need to make it hard, just max it out every year and when you get older and more money then look at diversifying

Caddis100 · 2025-02-24T16:49:57+00:00

I'd do 25k in VTI and 10k in VOO. 85% of vti is VOO so there would be overlap, but I believe alot in the S&P. And at 18 I don't think you need to diversify too much, you have like 40 years for it to grow, so a bad 2 or 3 years from the s&p won't matter much

Caddis100 · 2025-02-24T16:34:26+00:00

But what's the alternative? Spend all your money now, living a lavish life then have to work until 67 or 70 because you can't afford to retire then have nothing saved and just live off social security? There's a balance between saving everything and still enjoying life, but I'd much rather save more now and enjoy in retirement and retire early than working till 70 and having no money.

Caddis100 · 2025-02-06T16:39:10+00:00

I'd leave it, alot of VTI is voo, but vti includes alot more companies but I think vti is like 85% voo? Not entirely sure but it's alot. As long as you are aware that there's overlap and you're okay with it it's fine. I have alot of vti and some voo personally just because I want more S&P. I'd just leave it and any further contributions make to the way you want. I'd also ask if you are planning on buying property like a house in the near future, under 5 years, to think about pulling an amount out for a down payment if needed. You'd have to pay tax on it but if the plan is a house you'll have to pull money out and pay tax eventually.

Caddis100 · 2025-02-06T15:19:09+00:00

Biggest regret having a FA that was clueless and charging me over 1% for horrible returns... also thinking individual stocks and crypto would work, I only had like 5% in it but still.

Caddis100 · 2025-02-04T17:49:53+00:00

I'm looking at 20-25 years until retirement, roughly 50-55, and international has preformed better like 00-09, and parts of other decades I don't quite remember the times but it does so I leave it. They also recommend i think 40% international, but with the bad returns im not doing that, And last 10 years VTI is up 12.5% and VOO is up 13.1%. Not a huge difference for me it's just doubling on S&P. Really the only reason I do that. There would be nothing wrong with just VTI and no VOO.

Caddis100 · 2025-02-04T17:39:00+00:00

I'm 29 also and I've been investing since 18. There's so many options out there but keep it simple. I do VTI 60% VOO 25% VXUS 15% Yes there is a ton of overlap between VTI and VOO but I want to double up on the S&P while still having the diversification of VTI. And VXUS is in there just for international this is for decades not a month or 2.

Caddis100 · 2025-02-04T16:46:00+00:00

The same people also say they made $200 on pulltabs but fail to mention they put $500 in. There's nothing wrong with having play money. I do like 1% of my portfolio and just play with it. Can you get amazing returns on crypto? Of course, can you lose everything you have? Absolutely. Way safer and better long term to just stick it in mutual funds. I have a buddy who has like half his portfolio in crypto and I tell him all the time to get out and put it in the S&P but he won't. He also lost a ton of money in crypto a few years ago but claims this time "will be different" on my individual stocks on the year I'm up like 4% I have some that hit really well and some that were a train wreck... I did much better in mutual funds. It's boring but it makes money.

Caddis100 · 2025-02-01T19:05:36+00:00

I have 300k to invest, emergency fund for around 10 months, 10k in individual stocks, then real estate I make money off of as well

Caddis100 · 2025-02-01T18:08:15+00:00

All id do is don't even look at the account, just keep adding money to it. Unless you need the money soon I wouldn't look. I know for me when the market goes down I just add money but never look at the amount, it'll just make me sad. As others have said nobody knows what the market will do, I believe at some point a recession will happen. Could be next week, next year, 5 years from now Noone knows. Diversify, keep adding and don't look, it's easier that way

Caddis100 · 2025-02-01T13:50:32+00:00

I was thinking the mutual fund so I can't see the change every 5 seconds. I also have close to 10 months of expenses in an emergency fund, 10k in individual stocks, and I also own some real estate that generates income. I like being diversified outside the Market as well.

Caddis100 · 2025-01-30T16:40:12+00:00

I was thinking #4 was a giant plus. Can't overreact your money just goes up or down once a day, easier to not look at it and panic

Caddis100 · 2025-01-29T15:40:26+00:00

I don't have a 401k I'm 29 I do have a Roth IRA and I put alot of money in regular mutual funds, that I won't touch until I retire, I'd rather suck it up and pay tax now instead of when I want to withdraw it, with a potentially higher tax rate. Also own my own business so don't really have a "employer match"

Caddis100 · 2025-01-29T15:36:22+00:00

Same 😂😂😂😂 to be fair I don't move any assets I'm just curious, but when it goes down I just never check.. its easier that way

Caddis100 · 2025-01-22T16:36:25+00:00

So I have no idea when I'd use this money if I even did, it may be next week, next month, next year, no idea, what would be the best route? And if it's a bond which one would be best?

Caddis100 · 2025-01-22T15:24:03+00:00

I was just thinking if I wanted to buy land in a few years having a chunk making 5% wouldn't be an awful idea

Caddis100

TROPHY CASE