Stock Market is the bottom in?

[Westwind]

A common question- I come into a sum of money that I intend to invest. Should I invest it all now in a lump sum or “dollar cost average”, which means spread out the money by investing a portion of it over time. This article indicates that 68% of the time investors would be better off investing the entire amount in a lump sum.

My thought is especially if you are making monthly contributions, you are already “dollar cost averaging” and you have built in protection against market downturns so lump sum investing a windfall makes sense most of the time.

Invest Now or Wait? 🤔

Do you invest all your money now or do you spread it out over time?

open.substack.com

 

[bigboreblr]

Folks know a ton more than me. Is this money taxed this year? Real estate gains... Buy another property to hide the gains. That sot of thing. Certain things done with money during an Inheretance can effect how its taxed.

That stuff aside. Stock market is hot, perhaps hot n bothered...... I don't see these gains as sustainable. One day a tech stock dives 2week later its making 5-10% gains a day. Meanwhile a good company with stable quality earnings thats finnacial sound gets dumped on by investors.

I'd do one of three things. Use cash to buy real estate if the market pops..... I am sorta doing that, but will need a loan for a vacation rental in NC. Loans might be the problem down the road. Don't want my own home as collateral......

Put you cash in something stable like a consumer defensive ETF or some stable stocks, then trade those stocks when you see something you want to gamble on.

Barclays has a 3.8% savings account. Other banks than your local one can be decent. Put it in there and use the 5% rule. Research a stock, looks good, only use 5% on that one.

MY wife might be right leaving it to professionals. Watching my phone when I get a minute is not watching it enough today..... Looking at good ETF's and see what they put their chips in isn't bad play either. Either use the ETF, or pick choice out of their buffet. Good stock with bad luck, or just the low tide of a market downturn.

Any keeper stocks I getting some professional word of mouth. Like my wife works with oracle and crowdstrike alot for her company. I know the trends in power generation somewhat. Know who good, whos overpriced, who keeps it in stock. Brother in law knows farming trends. He told me mosaic wasn't a good pick..........

You wanna put the foot on the gas down this new road, but you feel there's a sharp turn ahead......

 

[bwoods11]

Casey’s stock broke $800 today !

 

[Bowsnbucks]

A common question- I come into a sum of money that I intend to invest. Should I invest it all now in a lump sum or “dollar cost average”, which means spread out the money by investing a portion of it over time. This article indicates that 68% of the time investors would be better off investing the entire amount in a lump sum.

My thought is especially if you are making monthly contributions, you are already “dollar cost averaging” and you have built in protection against market downturns so lump sum investing a windfall makes sense most of the time.

Invest Now or Wait? 🤔

Do you invest all your money now or do you spread it out over time?

open.substack.com

As an investor for decades, I've seen both sides of that question. For me personally, I've always taken the DCA approach - with some caveats. I always look at the macro picture for any extra investments I've made. IMO, and that of many financial experts, you can't go wrong with DCA. Can you do better with investing a lump all at once? I truly believe it depends on the macro picture. Given today's unstable, choppy markets worldwide, geo-political instability, private debt and bond questions ....... I'd DCA myself. If this were stable times with "normal" global markets, less geo-political tensions, and a better-regulated financial system, I'd invest the lump all at once.

My wife and I have moved some money (gains) to safer, dividend-payers, and have a substantial amount of cash earning between 4.5% and 5% until things look better. If someone handed me 100K to invest right now - I'd invest it in several sectors by DCA. The historically high valuations of many stocks and mutual funds (P/E's) these days, would have me looking at areas of better valuations / lower P/E's. Small caps, cyclicals, and energy are recommended areas that financial experts are pointing to. Just me - but given today's geo-political & market picture - I wouldn't pound a lump into the market all at once. And even if DCA-ing, I'd diversify among several areas of the market to insure positive returns. Buffet's first rule of investing ........ "don't lose money."

 

[TreeDaddy]

1) Buy the market
2) Forget about it
3) Plant trees

bill

 

[bigboreblr]

Had a thought between sulphuric avid supply and furl prices and demand, think copper will dip and then surge? Watching futures level out.

 

[Westwind]

They keep making good local decisions too, my tiny hometown had one of the original small stores. They moved to a bigger

As an investor for decades, I've seen both sides of that question. For me personally, I've always taken the DCA approach - with some caveats. I always look at the macro picture for any extra investments I've made. IMO, and that of many financial experts, you can't go wrong with DCA. Can you do better with investing a lump all at once? I truly believe it depends on the macro picture. Given today's unstable, choppy markets worldwide, geo-political instability, private debt and bond questions ....... I'd DCA myself. If this were stable times with "normal" global markets, less geo-political tensions, and a better-regulated financial system, I'd invest the lump all at once.

My wife and I have moved some money (gains) to safer, dividend-payers, and have a substantial amount of cash earning between 4.5% and 5% until things look better. If someone handed me 100K to invest right now - I'd invest it in several sectors by DCA. The historically high valuations of many stocks and mutual funds (P/E's) these days, would have me looking at areas of better valuations / lower P/E's. Small caps, cyclicals, and energy are recommended areas that financial experts are pointing to. Just me - but given today's geo-political & market picture - I wouldn't pound a lump into the market all at once. And even if DCA-ing, I'd diversify among several areas of the market to insure positive returns. Buffet's first rule of investing ........ "don't lose money."

The only dumb move is not thinking about what fits your own situation! In other words I love the discussion and the fact that people are thinking about it.

 

[PatinPA]

Intel is way up again ! I passed at $19 and I really regret that decision!

I have one share to keep an eye on it and I missed the boat too!

 

[jsasker007]

SOFI earnings coming out tomorrow before market open. Do with that what you will. I bought some betting on the earnings driving the stock price back up where it should be. Target price is over $24 currently. My opinion is that it should absolutely be higher. jmho

 

[Brian662]

Sold my Tesla off today and moved it to SMH, we'll see how that fares over time.

 

[bigboreblr]

Sold my Tesla off today and moved it to SMH, we'll see how that fares over time.

Those chip gains look a bit scary by themselves. Harder for the boiler to blow on the whole fleet.

Still staying on amazon though. Several different coals in the AI fire, already making money with aws, and has tetail for their 9-5 gig.

Next check is going on smh.

Softbank is teetering though. Got a few pennies on them. Still ahead 9%

 

[SD51555]

Ding ding.

I sold a couple $90 SBUX puts going into earnings. Those held and will pay off. Was long V and sold a call out at $330 ahead of earnings. Also looks good to keep.

Sent from my iPhone using Tapatalk

 

[Turkish]

SOFI earnings coming out tomorrow before market open. Do with that what you will. I bought some betting on the earnings driving the stock price back up where it should be. Target price is over $24 currently. My opinion is that it should absolutely be higher. jmho

Ouch

 

[jsasker007]

Ouch

Gonna be holding those bags for a bit. At least there isn't any real reason for the drop other than panic and the never ending uncertainty about the future of the stock market. Now I need to figure out what to sell to buy more SOFI. Buy more while it's at a discount. jmo

 

[Turkish]

Gonna be holding those bags for a bit. At least there isn't any real reason for the drop other than panic and the never ending uncertainty about the future of the stock market. Now I need to figure out what to sell to buy more SOFI. Buy more while it's at a discount. jmo

Thanks for the positivity!

 

[jsasker007]

Future is bright for SOFI. INTC is the one that seems too high right now. Wait and see I guess.

 

[Brian662]

Ouch

Can't win em all. Probably a buying opportunity

 

[bigboreblr]

Sofi is on my list. Just need to sell a kidney first..

Good earnings, just something else bedazzled the prom queen vote .

 

[Howboutthemdawgs]

Pretty decent chart