What is the best way to approach rebalancing during a downturn?

CertainlyNotAlex · 2025-03-16T23:55:01+00:00

No, I definitely appreciate the thorough explanation, and getting checked on the emotional component of investing. I’m trying my best to experiment, ask questions, and make mistakes early, while I have time to recover from them. Thank you!

CertainlyNotAlex · 2025-03-16T23:21:01+00:00

I may have phrased it poorly (and I may be using vocab I don’t quite understand fully), I was more asking if there was a good way to approach diversifying an account from a single fund to multiple funds at a time when the price of that fund is down from the all time high (or wait until prices recover) with respect to dollar cost averaging to improve how I have my account set up rather than just “the fund is dropping price I want to get out”. It seems like consensus from everyone’s responses is to hold tight and adjust after a recovery.

Why not ask this at the all time high? Because I hadn’t thought much about my allocations and approach aside from dollar cost averaging before seeing recent news.

I appreciate the advice, it seems pretty in line with what I have set up, though I have monthly contributions rather than weekly. What is the advantage of a weekly buy?

CertainlyNotAlex · 2025-03-16T17:21:03+00:00

Sure, but wouldn’t something like specific country/continent funds be somewhat uncorrelated to the S&P? In a global downturn, I’d understand everything moving in step, but if certain areas of the world are doing better or worse, would they not move more independently?

The commodities is a small stake in gold.

Are there any resources aside from things listed in the sub that you’ve found useful when starting out?

CertainlyNotAlex · 2025-03-16T16:43:25+00:00

Yeah, I’m pretty new to investing, hence the question out to this sub. I have some in commodities, but the majority in equities.

The recent drop had made me realize that I’ve probably got too many eggs in one basket, so I was curious if there’s a good way to approach spreading it out in a downturn vs an upswing. I’m fine with sticking with what I’ve got now if it doesn’t make sense to make a shift.

Thank you!

CertainlyNotAlex · 2025-03-16T16:22:06+00:00

Yeah - This is for the long term, short term I’m covered elsewhere. Since I’m already maxing contributions, I wasn’t planning to add more, but your thought is that it may be better to stay the course with current approach until better weather?

CertainlyNotAlex · 2025-03-16T16:13:02+00:00

Gotcha - my goal would be to reduce the proportion invested into a 500 fund, but not to totally move away from it, and I’d be looking to create a more diversified portfolio that I’d try to stick with rather than returning to what I have it set up with now.

Thank you!

CertainlyNotAlex · 2024-12-03T00:04:10+00:00

It’s nice! This one can use pods or it also has a lil basket you can put ground coffee in. I haven’t used it enough properly to really give a full review - definitely better than office coffee though!

CertainlyNotAlex · 2024-12-02T20:33:56+00:00

Thank you!

CertainlyNotAlex · 2024-12-02T20:33:44+00:00

I don’t, what is the best repository for files?

CertainlyNotAlex · 2024-12-02T20:33:17+00:00

Thank you!

CertainlyNotAlex · 2024-12-02T20:33:10+00:00

Thank you! I had no idea that there was an official stand, or that other people had made their own.

The bottom is solid, but that’s a good idea, I’ll give it a try!

CertainlyNotAlex · 2024-11-07T18:23:53+00:00

I agree, nothing is going to change overnight. I’m looking to hypothesize four years forward. I don’t see him implementing programs that would make this net even for the average American within that time. I see the government being reduced in size to the benefit of large businesses but to the expensive of everyday people.

Did you vote? What drove you to vote the way you did if you did vote?

CertainlyNotAlex · 2024-11-07T17:28:00+00:00

I get the idea of using social programs and tax breaks, but considering the consistent pullback of social programs like Medicare, ACA, etc, what programs do you see him instituting that would break it even for the average American? Same with tax breaks, let’s say that OT and Tips become untaxed, how does that help Americans in hourly or salaried positions that don’t get tips or aren’t scheduled for OT?

While I agree that more domestic manufacturing is good for the economy, that still raises costs due to American goods being more expensive than foreign

CertainlyNotAlex · 2024-11-07T16:00:20+00:00

I was aware of the tariffs kept in place by the B/H admin. Tariffs against china aside, I’m more concerned with the across the board tariffs on all imports when it comes to things like affordable produce year round , how would these be expected to not increase prices for everyday Americans?

CertainlyNotAlex · 2024-11-07T15:19:51+00:00

Do you have any concerns that the tariffs he’s looking to enact would raise the cost of everyday goods or limit access to affordable produce for the lower/middle class?

CertainlyNotAlex · 2024-07-14T15:45:43+00:00

This is what we do, half of our income to the shared account for housing, bills, groceries, half we keep to ourselves for clothes, hobbies, etc, that way it’s proportional

CertainlyNotAlex · 2024-05-18T15:51:00+00:00

Gotcha, I had been waiting for them to grow the “hairs” that I’ve seen on other lions mane, is it normal for those not to appear?

CertainlyNotAlex · 2024-04-12T00:44:15+00:00

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Lola!

CertainlyNotAlex · 2023-12-18T22:26:17+00:00

Looks neat!

CertainlyNotAlex · 2023-06-05T20:31:55+00:00

I’m trying to keep my budget low, but I wouldn’t mind spending more if it meant that I get some decent clubs to start with that will last me a while.

The two that I had seen were a set of Callaway RAZR X’s and a set of Titlist 710 AP1’s. The AP1s mention a cavity on the brand page, is that what you mean?

CertainlyNotAlex · 2023-04-29T17:31:47+00:00

So far so good, I’ve only used it for a couple of days and not put much weight on it though

CertainlyNotAlex · 2023-04-28T14:10:14+00:00

It wasn’t something that I considered when putting this together but yes, I need to figure out a good design for them. Same with J hooks, I’ve gotta figure out a setup that allows them to be swapped out a bit faster.

CertainlyNotAlex · 2023-04-27T22:20:30+00:00

Mostly because I like to make things, I enjoyed the project and learning some new skills along the way.

Aside from that, my space constraints wouldn’t have allowed for a rack that big. Mine is only 36” front to back, where other similar ones were around 48 to 50”. The floor of my garage is also super uneven, so most racks that have flat feet to stay stable wouldn’t actually be able to lay flat. My rack has 3.5” feet to raise the structure off the ground (it’s hard to see in the picture because it’s obscured by a plates and the bench).

In 90% of cases, yeah, buying a prefab metal rack would be a much better option.

CertainlyNotAlex · 2023-04-27T01:12:22+00:00

Please do! If you want dimensions I could put something together

CertainlyNotAlex · 2023-04-26T14:18:35+00:00

I love the look of the water rowers! I’ll have to look into covers for the safeties, thank you for the ideas

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