this post was submitted on 03 Apr 2025
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Feeling nervous... (sopuli.xyz)
submitted 3 weeks ago by [email protected] to c/[email protected]
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Hello fellow Lemmy investors. I need to vent/seek advice...

I'm passively invested to what is (for me) a big amount in VWCE... The beatings have been rough since trump took office and a good chunk of my profits have already been wiped out.

Due to a change in careers 2.5 years ago (starting my own business), I've not had as much income as I used to and have not been adding to the fund since then. This fund is my "do-not-touch" fund, I did have cash savings on the side, a decent chunk of which has gone into investments in my business, vehicle, etc.

I'm not wiped out yet and still in the green, and I still have a rainy-days worth amount in cash savings, but if this fuckery is gonna keep going, that won't last much longer I guess. My fund is all-world so it's supposed to rebalance if the US shits the bed (which is why I went for that rather than the traditional S&P500 indexes), but still it's getting beat pretty hard meanwhile. I'm in Europe if that matters.

I don't know what to do, my strategy would say to ignore this and stop looking at the app, but also I can't help being nervous and I really don't want to start seeing my hard-earned savings that I'm keeping for my kid/retirement go in the red...

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[–] [email protected] 2 points 3 weeks ago (1 children)

What's your investment horizon?

[–] [email protected] 4 points 3 weeks ago (1 children)

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..

[–] [email protected] 5 points 3 weeks ago (1 children)

Yeah, that's a sufficient period. Wouldn't worry about it.

[–] [email protected] 2 points 3 weeks ago (1 children)

I'll try! Thanks for chiming in I appreciate it.

[–] [email protected] 2 points 3 weeks ago

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.