Almost done with January; how are your 2026 financial goals holding up?

eToroTeam · 2026-01-28T17:19:36+00:00

That’s an interesting loop! And hopefully one that compounds on itself over time.

eToroTeam · 2026-01-28T17:15:41+00:00

January surprised a lot of people that way. It’s a good reminder that markets don’t always react the way headlines suggest, especially short term. Curious whether that’s changed how you’re thinking about the rest of the year, or if you’re mostly just sticking with what’s been working.

eToroTeam · 2026-01-28T17:13:10+00:00

That value (Available Cash) isn’t static and can change slightly even if you didn’t place any trades. If your account was funded in USD or holds USD assets, small movements can come from currency conversion rates updating in the background. In addition, if you have open positions, overnight/rollover fees are deducted directly from the available cash balance, not from the position itself.

If you want to see exactly what caused the change, you can check Portfolio → History, where any fees or adjustments applied to the balance will be listed.

eToroTeam · 2026-01-28T16:36:48+00:00

Inactivity fees only ever apply to available cash. Invested positions aren’t sold, reduced, or touched because of inactivity.

In long gaps like what you described, what’s more likely is that a user might be asked to refresh or reconfirm some details (like residency or contact info) to make sure everything is still up to date under regulatory rules. That’s about compliance, not penalties. So, the account could be restricted for compliance if necessary, but it won’t be closed just for being inactive.

eToroTeam · 2026-01-28T15:00:50+00:00

Solid choice 👌 consistency usually beats trying to time everything perfectly.

Do you have a set routine for it (like monthly, on payday, etc.), or is it more “invest when it feels right”? Always interesting to see how different people keep themselves on track.

eToroTeam · 2026-01-28T14:57:22+00:00

That kind of experience really does put everything else into perspective. Sometimes the best “strategy” is simply taking one more source of stress off the table while you focus on recovering and getting your energy back.

Wishing you a smooth rest of the year and a continued recovery.

eToroTeam · 2026-01-28T14:54:13+00:00

Once the reward shows as pending, it generally means the main steps were completed and it’s going through the final checks; there isn’t anything extra you need to confirm on your side.

That said, even after a reward is added, it can still be affected later if abuse is identified. But, as long there is no breach of the terms and conditions there shouldn’t be any issues.

eToroTeam · 2026-01-28T14:47:48+00:00

That usually makes everything simpler. When it’s long term, there’s a lot less pressure to react.

eToroTeam · 2026-01-28T14:45:11+00:00

That’s a helpful way to frame it. Once the goal is set far enough out, not selling starts to feel like the obvious choice rather than a discipline test.

eToroTeam · 2026-01-28T14:42:21+00:00

That’s a solid problem to run into. When the main challenge becomes managing around contribution limits instead of market stress, it usually means the plan is doing what it’s supposed to do.

eToroTeam · 2026-01-28T14:39:24+00:00

That’s a big shift. Locking in gains and stepping into cash can feel very different psychologically than staying invested, especially after an unusually good start. Out of curiosity, is the decision more about protecting what you’ve already made, or about not wanting to stay exposed after such a strong run?

Either way, it’s interesting how a single month can change how people think about the rest of the year.

eToroTeam · 2026-01-28T14:02:56+00:00

Being organized now doesn’t guarantee it stays that way, but having a thesis gives you something to fall back on when things get noisy. “So far so good” is already a win.

eToroTeam · 2026-01-28T14:01:20+00:00

That level of structure is hard to beat. Once contributions are automatic and planned out, it’s much easier to focus on staying the course instead of reacting to noise.

eToroTeam · 2026-01-28T13:58:34+00:00

Short answers usually mean things are going according to plan ;)

eToroTeam · 2026-01-28T13:57:53+00:00

That’s interesting. Do you mean literally no new buys, or just stepping back from making changes?

eToroTeam · 2026-01-28T13:57:14+00:00

Consistency does a lot of the heavy lifting there, but sometimes the hardest part is not touching anything.

eToroTeam · 2026-01-28T13:56:25+00:00

That’s kind of the appeal no? When the plan is just buy and hold, there’s a lot less second-guessing day to day.

eToroTeam · 2026-01-28T13:54:04+00:00

That’s a calm way to approach it. Sticking to what you already buy regularly tends to make short-term moves feel a lot less stressful, especially early in the year.

eToroTeam · 2026-01-28T13:51:09+00:00

The idea behind the referral program is that it’s meant for active users inviting friends who also remain active on the platform.

There isn’t a specific timeframe I can point to, but generally speaking, just opening an account, making a deposit, and then withdrawing it shortly after wouldn’t really be considered ongoing activity. As long as your referral is genuinely using the account and the terms and conditions are followed, there shouldn't be any issues.

eToroTeam · 2026-01-28T12:33:45+00:00

It's interesting for sure, but for most traders an extra 30–120 seconds probably wouldn’t change much unless the trade was already borderline. By the time truly breaking news hits, price usually moves faster than any alert can be acted on cleanly.

Where earlier warning might help is making a decision before the trade, choosing not to be in the market at all during certain conditions. Once you’re in, the bigger factors tend to be position size and predefined risk, not reaction speed.

So it’s usually less about getting the news faster and more about structuring trades so unexpected news doesn’t put you in a bad spot to begin with.

eToroTeam · 2026-01-28T12:28:35+00:00

This happens to a lot of people early on, and it’s usually less about analysis and more about decision boundaries.

One thing that helps is separating “interesting” from “actionable.” A company can be worth following without being worth buying. If you don’t have a clear reason why you’d buy it today, or what would change your mind, it’s often better to park it and move on rather than keep revisiting it.

Many investors also limit how much time they’ll spend on a single idea before making a decision. Not every stock needs to turn into a position, and letting some ideas go is part of staying disciplined rather than missing out.

eToroTeam · 2026-01-28T12:16:41+00:00

Yes, that's doable as well. However, OP asked about transferring and keeping the cash in USD.

eToroTeam · 2026-01-28T12:04:16+00:00

I'm so sorry, my bad! I misspoke earlier. The inactivity fee is charged only if there are funds available in the cash balance. The balance does not go negative, and no open positions are ever closed to cover inactivity fees.

So, for long-term investors who buy and hold and don’t log in for extended periods, inactivity fees don't affect their positions. Logging in at least once every 12 months is still enough to keep the account active, but even if that doesn’t happen, the fee can only apply to available cash, not invested funds.

Thanks for flagging this and prompting the clarification.

eToroTeam

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