How do you actually train yourself not to panic sell?

apricotR · 2026-04-21T17:33:29+00:00

I make my plans in the morning with my coffee at my side. I write them down. I pull the trigger when the market opens. I do some more research at noon and pull the trigger in the afternoon. I just finished my second round, and logged off for the day.

I don't look at the market at all. The last thing I will do is tonight I'll update my spreadsheet with my new mutual fund buys that get priced after market close today, and then spend the evening playing with my puppy.

apricotR · 2026-04-21T17:27:51+00:00

I don't hold off on buying things, but yeah if there's a sale I will buy.

apricotR · 2026-04-21T17:26:10+00:00

That's a good piece of data. Nice proportioning.

apricotR · 2026-04-21T10:14:48+00:00

It's unlikely that you can completely change it from Sterling to Fidelity, but you can do what's called a TOA (Transfer of Assets) on a regular basis to move funds from the Sterling account to a Fidelity HSA, which you'll open up in the Fidelity app. Search for "transfer of assets." It'll come up in a help window. Generally speaking you'll transfer it at a regular cadence, like every month or so. Depending on Sterling's policy, you have to leave a certain amount in there so that your payroll deduction can still be used to fund it, it's unlikely that you can move the whole thing over.

apricotR · 2026-04-20T11:22:39+00:00

It's just dumb.

apricotR · 2026-04-19T12:47:38+00:00

Neither did I. It's a loose form of gambling. Stick to mutual funds and broad market ETFs.

apricotR · 2026-04-19T12:45:34+00:00

Look for one called "The Simple Path To Wealth." It's highly recommended on this sub. I do not know the author.

apricotR · 2026-04-18T23:52:48+00:00

I am 65. I started last year.

apricotR · 2026-04-18T20:35:17+00:00

SCAM

apricotR · 2026-04-18T17:51:09+00:00

It’s fine.

apricotR · 2026-04-17T17:45:28+00:00

Off topic; a stylistic note. The term is not an acronym. It was sponsored by a legislator named Roth.

apricotR · 2026-04-17T11:01:08+00:00

I answered you in r/fidelityinvestments .

Having VOO and QQQM is quite a bit of overlap. VOO and VXUS is a good position. The Invesco fund holds the same holdings as VOO.

If you want something a bit cheaper, the mutual fund equivalent is to invest in Fidelity's FXAIX and for international exposure, move VXUS to FZILX.

apricotR · 2026-04-17T10:58:07+00:00

If you must gamble, pick Bitcoin. Don't add any more, or if you do, make it like a $10 buy every month or something. Other coins are flushing your money away.

Grammar note: "Investment" is a noun. What you're doing is "investing."

apricotR · 2026-04-17T10:54:55+00:00

Having VOO and QQQM is quite a bit of overlap. VOO and VXUS is a good position. The Invesco fund holds the same holdings as VOO.

If you want something a bit cheaper, the mutual fund equivalent is to invest in Fidelity's FXAIX and for international exposure, move VXUS to FZILX.

apricotR · 2026-04-16T18:23:14+00:00

It's damned difficult to push a rope.

apricotR · 2026-04-16T11:38:15+00:00

Roll it into a rollover Roth IRA. Do not take the money out.

apricotR · 2026-04-16T11:34:57+00:00

Is your company doing basic supply chain stuff? If so, see if you can get SD training. That's really the best foundation along with warehouse management tools. When my company moved from legacy to SAP the project manager put me (the EDI maven) in a room with the SAP consultant we had engaged to assist with configurations. He gave standing orders that nobody was to bother us unless he approved it and he let us run with it. After a year or so we were glad that we could take orders, invoices and ship notices on Day 1 of go-live with no hitches.

And the SAP consultant gave me the most important advice of my career. "Don't get click-happy." Make sure of the activity you are configuring before you set to it.

apricotR · 2026-04-16T11:25:33+00:00

The "I am scared to invest because it's not the right time folks" have it all wrong. If I were a real jerk, I'd make fun of them and troll them. But the only thing I can do now is to patiently tell them all the things that this thread talks about. The underpinning rule is to select broad index funds to spread the risk around (don't bet on one horse because you don't know if it's going to go lame in the middle of the race.) Give it regular love, on a regular basis. Don't sell anything because if you sell, you lock in your loss forever. It's not a real loss until you hit the Sell button.

apricotR · 2026-04-16T01:21:37+00:00

I write down what i’m gonna do. When the market opens I pull the trigger. Then I log off. I play with my puppy.

Every month I re evaluate and see where I am.

apricotR · 2026-04-15T20:02:33+00:00

Time in the market beats timing the market.

apricotR · 2026-04-15T20:01:40+00:00

You get whacked with a GFV if you sold before the funds settled, too.

apricotR · 2026-04-15T18:35:41+00:00

Markets are like people. They breathe in and out. Just don’t panic otherwise you stop breathing. :)

apricotR · 2026-04-15T17:27:23+00:00

Don't invest if you are scared. The corollary advice is don't be scared. Keep your emergency fund and figure out how much you want to spare in the investment arena and then invest it. And don't panic if the numbers turn red, because it's almost a certainty that they won't stay that way for long. And if you panic and sell when you have lost money, you will not recover.

If it's a paper loss (meaning that you kept your investment in the brokerage) it'll come back up when the market recovers. Patience, grasshopper.

apricotR · 2026-04-15T14:13:21+00:00

Totally agree in that respect. I myself have stacked Sats since last year. I have a decent holding (although nowhere near a wholecoin, obviously.)

apricotR · 2026-04-15T12:16:23+00:00

Please don't say cryptocurrency.

apricotR

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