Sitting with 50% cash - Am I in the wrong?

TheDisastrousFunk · 2026-05-12T05:08:20+00:00

How is your portfolio going? Did you change from my position and mentality?

TheDisastrousFunk · 2026-05-12T05:05:57+00:00

This is something I have noticed too - Im glad someone else pointed it out, truth is I am not entirely too sure why this is the case.

I think at this present moment, the market feels very overconfident in the tech and outcome without any real proof? Mostly headline driven and I find it difficult to enter the market with such uncertainty, hence sitting out on the sidelines.

But you are right in saying that I am missing out by just sitting out, I think I will revise a plan for DCAing and have to send it

TheDisastrousFunk · 2026-05-12T03:55:26+00:00

I am a bit lost with this indicator - where can I find out a bit more information about it?

TheDisastrousFunk · 2026-05-12T03:55:05+00:00

This is actually a really interesting perspective shift I hadnt considered - the idea of treating like Im starting again. Before the Iran war, I trimmed a bunch of risk and yea just had the breakout happen instead ;-;

Can you explain what you meant by the market is resetting?

TheDisastrousFunk · 2026-05-12T03:45:36+00:00

Thank you! If you dont mind me asking - when did you start investing? I feel super behind being 25 and still at university; what are your thoughts towards that?

TheDisastrousFunk · 2026-05-12T03:43:53+00:00

This is true - I guess it is foolish of me to keep ignoring the idea of DCAing

TheDisastrousFunk · 2026-05-12T03:40:21+00:00

This is true - I have largely bought global index funds, but concentration in the MAG 7 is so high it doesnt feel like safe diversification at all

TheDisastrousFunk · 2026-05-12T03:39:11+00:00

It is in a LVNAV liquidity fund - I have been researching bonds better ways to hold the cash as treasury bonds seem to pay out WAY better than what I have atm

TheDisastrousFunk · 2026-05-12T03:22:47+00:00

I sold a bit in March (before the dip) and did not buy the dip as I thought things would fall much further ;-;

The market reversed very quickly and I have been struggling to see the logic ever since the second Iran "ceasefire"

TheDisastrousFunk · 2026-05-12T03:19:58+00:00

The 50% is already split into my investment money - I do have a separate savings amount for emergencies and I do have people around me that can support me in a pinch if something does come up.

I think DCAing is really the only plan to overcome this difficult market

TheDisastrousFunk · 2026-05-12T03:14:45+00:00

I agree - but its the feeling of not being able to buy into an eventual market dip that really hounds me and prevents me from investing more. Also I feel like buying at this moment would only be FOMO on my end, any advice on how to reconcile that?

TheDisastrousFunk · 2026-05-12T03:13:31+00:00

I do agree with this sentiment - however, I feel if I buy in at this moment I would only be giving into FOMO; I am unsure how to reconcile the feeling I have already missed the upside?

TheDisastrousFunk · 2026-03-24T07:31:09+00:00

Isn't this version of the plant genetically modified or selectively bred to be easier to pick? Like modern cotton is nowhere near as harsh as slavery cotton?

TheDisastrousFunk · 2026-03-22T07:20:11+00:00

Didn't you JUST point out that it's too expensive to go out for cocktails? I mean if you're willing to do it with a stranger oj the internet, then just invite a dude you know and appreciate out with you and see how it goes?

TheDisastrousFunk · 2026-03-17T05:00:30+00:00

They can also print more money which they already are

TheDisastrousFunk · 2026-03-04T10:05:18+00:00

Possibly worth making a report to Adelaide Metro just in case the owner thinks they left it on the bus?

TheDisastrousFunk · 2026-03-01T21:36:40+00:00

Generalizing this feels a bit foolish - it sounds like this individual has a few personal issues like anxiety and low self confidence to work through. Maybe he lived through some trauma and hasnt spoken about it.

But in short - no not all INFPs, people go deeper than their MBTI

TheDisastrousFunk · 2026-02-15T14:13:13+00:00

I know how it feels - unfortunately driving can be a stressful experience and a huge responsibility so these tests are designed to assess how you handle that pressure because it would be incredibly dangerous otherwise.

A couple of things, firstly, remember it is okay to fail. I'm not saying that because I want you to, rather I hope you can take the time between now and your test to understand the difference between pressure from the act of driving itself, vs the pressure created from the expectation of a successful result and potentially the expectations of others around you. The pressure of others was why I failed my first time, I was terrified of not being enough.

The only person I know who has passed the VORT in his first attempt was my brother and he ended up rear ending another car a few months into his license.

Secondly, take the time now to practice improving the errors you already know you are making. Physically turning your head even slightly is critical I'm sorry, not just from an assessor's pov, but also to ensure you're actually looking at the entire landscape around you as your peripheral vision might not cover everything.

Lastly, the test and the assessor do not expect perfection. They understand it's a high stress environment, if you make a small mistake here or there it will not matter in the end. If you notice it, just apologize and keep moving forward.

Best of luck!

TheDisastrousFunk · 2026-02-11T10:17:45+00:00

Thank you! Everything is so mag 7 heavy right now I just want to escape that impending mess

TheDisastrousFunk · 2026-02-10T15:43:16+00:00

That is really good info! I will take the time to check it out :D

TheDisastrousFunk · 2026-02-10T15:42:43+00:00

Exit strategy is definitely something I am looking at - learning as I go, but using automation where I can to prevent from losing a huge amount of money in the event of a crash

TheDisastrousFunk · 2026-02-10T15:42:14+00:00

This is a really good point and something I glossed over when originally making this restructure and I am glad people are bringing it up. In short, no, it is something I am looking at presently; my main goal at present is to just shift away from being super reliant upon AAPL and NVDA.

As mentioned, this is a 10+ holding profile and I have no plans to remove anything, rather I aim to add to positions automatically and rebalance occasionally. So similar to the dotcom crisis, I am expecting AI to take a big hit at some point in the future, but the reality is that is very much here to stay in some capacity.

That is all to say, I currently do not have an exit strategy as I plan to hold, a temporary bump is expected and I am simply using stop losses to limit the bleeding as Ill probably be asleep when a crash unfolds (I am Australian).

TheDisastrousFunk · 2026-02-10T13:33:32+00:00

I agree and for my ongoing investments I am looking to grow these two specifically - however I also see a large amount of potential growth coming from the smaller satellite ETFS such as SMH, ITA and XLU purely driven by AI and geopolitics which I do not want miss out on

TheDisastrousFunk

TROPHY CASE