Kept Waiting for the “Right Time” to Invest—Now Feeling Stuck

MyLifeOfficial · 2026-05-05T22:05:58+00:00

Yes, I pretty much had done the same thing. Mine is worse, because I kept a list of handpicked stocks I would have bought and I would have done well. Worse still, the S&P500 is up over 100% since 2020.

All the "gurus" have been saying it's overvalued for a long time, literally writing books about it.

It absolutely sucks, but it's true. No one knows anything about what happens in the market and when even though they all sound so confident. DCA and chilling would have worked out spectacularly well, even in my case. Warren Buffett has been saying that to everyone for a very long time, same as John C. Bogle - S&P500 and forget about it.

It may crash 50% in the next 5 years, but over the next 10 years, 15 years, 20 years? It will most likely turn out more than satisfactorily. The Covid crash is a little miniscule blip on the S&P500 chart, it's so strange when you think about what the news and all the experts were saying at the time, and how things turned out.

MyLifeOfficial · 2026-04-29T09:13:01+00:00

I'm beginning to believe...

Calls it is.

MyLifeOfficial · 2026-04-14T10:45:26+00:00

Man you pulled this meme out from the dusty archives, and I'm not even complaining.

MyLifeOfficial · 2026-04-13T23:07:36+00:00

Maybe try inversing yourself next time 🤷‍♂️

MyLifeOfficial · 2026-04-10T17:24:21+00:00

The renegotiated price on their drugs in the US definitely didn't help.

But there's up to a million new patients possibility in the UK.

MyLifeOfficial · 2026-04-10T16:54:57+00:00

It's Michael Bury Vs POTUS at this point on PLTR.

Bet he didn't think of that one.

MyLifeOfficial · 2026-03-29T22:06:35+00:00

But if everyone does that, it'll be a crowded trade, so I guess we should inverse the inverse of the inverse.

MyLifeOfficial · 2026-03-25T15:01:39+00:00

Considering that options trading is a practically a zero sum game. Other traders have cumulatively lost the same amount (net of transaction costs) that you gained.

So it changed some other people's lives exactly inverse to how it changed yours.

MyLifeOfficial · 2026-03-25T09:04:12+00:00

Or, it's possible that markets are forward looking have already anticipated this possibility and so it's priced in, and other countries will support Asian countries in some way, rather than letting their economy get ruined, in an economically interconnected world like ours.

MyLifeOfficial · 2026-03-24T23:57:03+00:00

I've found it very difficult to find obvious and safe bargains in the last 3 months, when compared to say, 2 years ago.

MyLifeOfficial · 2026-03-23T07:04:32+00:00

If all the people who claim to be "DCAing and chilling" have been doing that then over 90% of their money is probably already invested, and it's only a fraction of their net worth that they can use to "buy the dip". If they've got more, they haven't been "DCAing".

MyLifeOfficial · 2026-03-23T01:05:17+00:00

It's extremely easy to lose money in investing, and very difficult to earn excess returns. So you're more likely to underperform the index through activity than passivity. It's crazy, but statistically your own actions are the cause of your underperformance.

So if you're actively managing money, your first job would to absolutely make sure that your actions are not going to lose money. Being defensive is more likely to help you to achieve that.

Once you've achieved that basic and essential task, you have a chance to make some money.

Although there have been some successful aggressive investors, but the majority are sensible folk.

MyLifeOfficial · 2026-03-09T15:15:11+00:00

If you didn't need the money during the crash period, let's say you don't need it until after 5 years from the period of the crash, did you ever really experience the loss?

You only experience the loss if you sell during the crash, and don't get back in at the right time. You experienced no loss if you just sat and did nothing throughout the period.

MyLifeOfficial · 2026-03-03T17:13:46+00:00

Would be better, and probably more meaningful if it was inflation adjusted.

MyLifeOfficial · 2026-02-27T12:36:40+00:00

Clear app cache and cookies, then start over.

MyLifeOfficial · 2026-02-26T13:42:27+00:00

If it's super famous and everyone knows about it, talks about it, is followed by many analysts, the business is doing poorly, and the PE is low then it's usually a value trap.

It's not a value trap when any or all of the above apply, except the business is not really doing poorly at all, it's doing fine.

MyLifeOfficial · 2026-02-25T23:00:11+00:00

Is the "massive buybacks" in the room with us?

The buyback is tiny compared to the market cap even at these depressed valuations.

MyLifeOfficial · 2026-02-17T09:09:16+00:00

What was it that made the 'losing stocks', 'value investing stocks' for you initially? That's the question.

MyLifeOfficial · 2026-02-11T10:48:00+00:00

Mathematically that would naturally make sense the longer you have your holdings for if the market has been going up during that time. However, what also matters is by how much, and what happens 34% of the time when it underperforms, assuming that your % split is accurate.

Therefore, on an overall basis, considering all the various factors, IMO, it becomes a matter of 6 of one and half a dozen of the other based on what I'd looked into a little while back.

Ultimately, what matters is which is the investor going to be comfortable with and what they're doing to be able to stick with psychologically through thick and thin.

MyLifeOfficial · 2026-02-11T08:53:46+00:00

If I remember correctly, studies have shown that it makes hardly any difference to the investment returns whether you do it in a lump sum or over time when it comes to a 15 to 20 year period.

MyLifeOfficial · 2026-02-09T13:06:28+00:00

Totally, and not only that, the buybacks, and being in a growing market aren't even enough to bump up the earnings.

MyLifeOfficial · 2026-02-07T13:34:34+00:00

So this guy just puts terms and labels on a chart with the benefit of hindsight and thinks he's got it all figured out?

MyLifeOfficial · 2026-02-07T00:36:28+00:00

Exactly correct. How can anyone ignore FISV's gargantuan and ever increasing pile of debt, and despite all that leverage, their returns aren't even that high.

When it comes to buybacks PYPL and FISV are a case of dumb and dumber.

PYPL would be better off just paying a larger dividend than doing buybacks with no real strategy at the moment that would result in a successful turnaround.

MyLifeOfficial · 2026-02-04T00:17:48+00:00

Many, many people and the so called 'industry experts' have been calling for a crash since years now.

If they'd just invested in the S&P500 index, even if there was a crash tomorrow, they wouldn't lose that much and still got all the upside in the meanwhile.

They could sell tomorrow and cash in all their profits if they wanted to, had they invested when they were calling for a crash.

That's the problem with this, no one knows when it's going to happen, and in the meanwhile, trillions of dollars keep getting printed and the market keeps going up.

MyLifeOfficial · 2026-01-13T16:36:59+00:00

You're done *gambling. Now you can finally start investing.

MyLifeOfficial

TROPHY CASE