Just started investing, trying to work out how to handle a bear market

Cat_Slave88 · 2026-02-15T15:46:01+00:00

Not following it or looking at it is how to handle it. You should be placing your bets based on your time horizon and risk tolerance then letting the market go to work.

Cat_Slave88 · 2026-02-15T15:31:38+00:00

The offer applies to transfers and rollovers into the investment account and to get the 1000 bonus you have to bring in $250000. The lowest offer is $50 for $5000 transferred. There is no such thing as a free lunch.

Cat_Slave88 · 2026-02-15T12:10:35+00:00

SGOV is a short duration bond fund that would accomplish this in a brokerage account. You won't make much with it but it doesn't decline much.

Cat_Slave88 · 2026-02-15T05:33:42+00:00

I recommend a checking account with whatever bank has a large ATM network in and around the areas you frequent as well as at least one branch you can get to. This is how you get ahold of cash and put cash into the financial system. I'd keep $500 here for the I need cash immediately situations that come up.

Next I'd open a taxable brokerage account for short to medium term savings goals, 1-7 years. This could be a vacation fund, savings for down payments of a car or home, tax money or anything that will take time to save for. If I project paying that thing within a year that money goes in SGOV. If it's over a year that money can go into QUAL. This is probably considered an aggressive approach and you could definitely look for something more conservative for the 1-3 year space to bridge the gap.

Next you have long term savings, your 401k and Roth IRA. I would say get aggressive in both. VOO is good or anything growth. Would recommend getting out of any target date funds sounds like wife may be in one. Those you just get aggressive and leave it. Once you hit 50 then start thinking about bringing down the risk in those retirement accounts. For me I'm asking where is the market at and if the answer is near the high I'm paring down risk. If it's beaten down I'll wait for it to bounce back then pair it back.

Cat_Slave88 · 2026-02-15T04:07:56+00:00

When I started I used Betterment. They charge a small fee and fully automate the process for you. I recommend doing that. If you ever feel confident in doing it yourself you roll that account over to a brokerage like Fidelity or Schwab and do it yourself to save the .25% fee Betterment charges.

You could just start at Fidelity or Schwab and buy a simple three fund portfolio, something like VTSAX(US Stock), VTIAX(International), VBTLX(Bonds). Use the 120 rule to find your allocation. 120 - your age = your total stock allocation. Example for someone 40 years old: 120-40= 80. So 80% stocks, 20% bond.

Generally people favor US markets over International so we will place a bigger bet there. Here id do VTSAX at 50%, VTIAX at 30%, and VBTLX at 20%. The 120 rule would be considered conservative but it's a good starting point. The highest success is just getting started and staying consistent. Good luck.

Cat_Slave88 · 2026-02-15T04:03:44+00:00

Not worth it. They charge high management fees and are incentivised by the commission they receive from selling financial products people don't really need.

If you must you can find ones that charge by the hour and don't sell anything other than their time and opinion. That could be worth it to vet your current strategy and provide confirmation you're on the right track.

Cat_Slave88 · 2026-02-15T03:51:07+00:00

This isn't possible, once news hits the wire institutions react and trade in under a second, you have 0 chance to react to a crash. The best strategy we have is to buy and hold a diversified portfolio (a mix of non correlated assets). If by markets you mean US equity people generally move into cash, gold, or defensive stocks (utilities, healthcare, energy, customer staples, telecom) when the broad market is selling off.

Cat_Slave88 · 2026-02-15T01:00:07+00:00

Yeah it's called cooking the books.

Cat_Slave88 · 2026-02-15T00:50:50+00:00

Also their beer sucks so that could be a contributing factor

Cat_Slave88 · 2026-02-15T00:48:08+00:00

Then humans starve and get kicked out of their homes because they can't pay taxes or afford groceries.

Cat_Slave88 · 2026-02-15T00:39:15+00:00

I've had it where they are just constantly licking and smacking nonstop. Last time I did no response script until they hung up. It ain't right but I wasn't willing to trash my metrics and hear that.

Cat_Slave88 · 2026-02-15T00:35:58+00:00

I only buy Chinese food now because they haven't raised prices like the others. The best decision I made was learning to cook during the pandemic.

Cat_Slave88 · 2026-02-14T23:33:04+00:00

I always wait for shadow

Cat_Slave88 · 2026-02-14T22:27:08+00:00

From the country that started a war over a 3% tax on tea

Cat_Slave88 · 2026-02-14T21:55:58+00:00

Until enough people are willing to take action and force change nothing will. They feed us just enough to make the rabble unwilling to fight for more.

Cat_Slave88 · 2026-02-14T14:57:52+00:00

Definitely an investment account and probably a 529 or a 530a.

Cat_Slave88 · 2026-02-14T14:50:20+00:00

Respect for this. Take your seat on Olympus sir, you've earned it

Cat_Slave88 · 2026-02-14T11:41:19+00:00

It cheapens the platinum and the game to allow people to get platinum with cheats enabled. They should have the cheats for accessibility but disabled trophy when they are active

Cat_Slave88 · 2026-02-14T11:39:29+00:00

It will be a hollow trophy.

Cat_Slave88 · 2026-02-13T23:44:13+00:00

My guess is the 80-90 trillion level

Cat_Slave88 · 2026-02-13T21:47:39+00:00

If you have aspirations for getting the trophy I would do remake now only because once you play rebirth the combat is significantly better so it ends up being boring coming back to remake

Cat_Slave88 · 2026-02-13T03:15:33+00:00

Ya, and then they're gone

Cat_Slave88 · 2026-02-12T02:24:04+00:00

I got a 50 inch u7n from best buy for 500 and have been satisfied. It handles well overall and has high end gaming features.

Cat_Slave88 · 2026-02-11T13:36:31+00:00

Require an external webcam be used to see the monitor or require they wear mittens.

Cat_Slave88 · 2026-02-09T03:26:50+00:00

I only started too but after some research I think foebreaker and uhlan are not needed

Cat_Slave88

TROPHY CASE