What's your investment horizon?
this post was submitted on 03 Apr 2025
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I'm mid-thirties, so about 30 years I guess in theory, unless I need it for something earlier. Doesn't help me feel better right now, I'm also going through a massive depressive episode at the moment for unrelated reasons and this is just compounding it..
Yeah, that's a sufficient period. Wouldn't worry about it.
I'll try! Thanks for chiming in I appreciate it.
I personally follow the advice from "Smart Personal Finance Management For Ordinary Folks - R. Kurshan" regarding risk management.
The author argues that you should handle risk by balancing cash/stock. For s&p500, the math turns out at 4 years: If you expect you'll need to spend more than your income in this or 4 years time, you should start planning the sale of your stock. In other cases, leave it as stock.
The methodology should work on your investment product(s) too, but the exact horizon might be different.
If it’s any consolation to you, I recently sold a shitload of stock and plan on buying back maybe 25% of that today, when everyone’s freaking out. This administration is volatile AF and that will be reflected in financial markets. I’m not normally a market timer, but the fucking orange traitor baboon couldn’t have been more clear about willfully tanking the US economy. The only reason I’m buying back now is because the writing’s on the wall: Americans are fucking sick of this bullshit and they’re going to spank the republican traitor filth come midterms. A simple majority for Dems in the House is all that’s needed to blunt much of what these fucking morons are doing. The projected macroeconomic effects are opaque to me, but any opposition to trump will be welcomed by world markets. Anyway, it’s gonna get real fucking bumpy. Steel yourself.
VWCE has had one hell of a run.
Well, today I went for a nap and when I woke up, I had lost another 2 grand, and that was too much for me tbh. I live somewhere without capital gains tax so selling events don't trigger tax, so I pulled out (about 10k€ from the top, but still about 10k in the green overall). Gonna sit it out for a bit... This was not good for my mental health, which as I mentioned in another comment is already in shambles from unrelated reasons.
Sorry to hear that, bro. Take care of your mental health. If you sell while in the green, you won. Don't beat yourself up.
Thanks mate, that's what I'm telling myself, though I also can't help but think if I was gonna sell, should've done just a biiiit sooner haha. But my strategy was supposedly to not do that.. For now, better to be off the wild ride I think, and overall green is still success, like you say.