馬虎活得糊糊塗塗，糊塗做事馬馬虎虎
難得糊塗。望能幫助大家解答投資理財的問題。使大家在投資理財的過程中， 不馬馬虎虎以及不糊糊塗塗被人忽悠, 盡快實現財務自由。
First of all, we are not talking about your regular scheduled contributions to your 401(k), 402(b), 457(b) or IRAs. For those contributions either by every paycheck period or on your own schedule, you allocate the money to buy funds. You should continue to contribute to your retirement accounts without fail. You should never time the market with your retirement savings!
http://blog.wenxuecity.com/myblog/72332/201801/19668.html?
This is not what we are talking about here! We are talking about the extra cash from selling a property, receiving a cash gift from your parents, and for whatever the reasons, etc. When and how do you put the cash into the market?
You need to wait for an entry point to get into the market. The entry point would be either a recession or a correction. A recession is by definition two consecutive quarters of negative GDP and a correction is the broad equity market down 10% from its recent high. When we say the broad equity market, we usually refer to S&P 500 Index.
While you are waiting for an entry point, I would suggest you to leave your cash in short term CD for now, or you can buy short term US treasury, build a treasury ladder by using 4, 8, 13 and 17-week treasury bills, check the following link.
https://www.treasurydirect.gov/.
When the entry point level has reached, you should put the money into the market with a dollar cost average method which will help spread your risk around.
http://blog.wenxuecity.com/myblog/72332/201810/34880.html.
On March 28th, 2024, S&P 500 Index has reached the historical high of 5,264, 10% correction will be around 4,738 level. If we reach that correction level, I would sugguest to use dollar cost average method to get into the stock market.
On March 21st, 2024, Nasdaq Index has reached the historical high of 16,538, 10% correction will be around 14,884 level.
I have listed the following several major entry points in the past 14 years for your reference. As a matter of fact, there were a couple of 10% down entry points in between as well.
|
Date |
High |
10% Down |
Date |
Low |
% Down |
Period |
|
1/3/2022 |
4,796 |
4,316 |
10/12/2022 |
3,577 |
25% |
9 months |
|
2/19/2020 |
3,393 |
3,054 |
03/23/2020 |
2,191 |
35% |
33 days |
|
09/21/2018 |
2,940 |
2,646 |
12/24/2018 |
2,351 |
20% |
3 months |
|
11/3/2015 |
2,116 |
1,905 |
02/08/2016 |
1,828 |
14% |
4 months |
|
10/11/2007 |
1,576 |
1,419 |
03/09/2009 |
695 |
56% |
17 months |
看你的留言：“S&P500 Index Fund (500 stocks) 或者 Total Stock Market Index Fund (3000 stocks)"
我理解是 SPY 和 VTI
這兩個，我都有。
SPY在我的投資組合裏， 占比很大。
這兩天， 我又賣了幾個個股， 就等著SPY下來， 就一點點的再進。
準備將個股消滅， 就買VTI， voov， voo， qqq 。。。了
謝謝你的一直分享， 感恩有你！
We are talking about the broad stock market and the index I am using here is S&P 500. On April 23rd, it closed at 2,670 and last Friday June 1st, it closed at 2,734. It went up about 2%. Not a lot!