So, those 401ks and investments. How much have you lost so far? Be brave and contribute.

600k

10.5 trillion

Data mining aside, we have served official notice to our investment councilor that he is OFF OUR CHRISTMAS CARD LIST!

You haven’t lost anything unless you sell while it’s down. Just hold onto it, invest more if you can, it’s like when a store has a sale right now. Hold tight and it will come back up, it always has and always will. If you are invested for any length of time you know the drill, you’ve see this happen before and it will happen again, it’s the nature of how it goes.

Up about 30 bucks this month because it's all in 3 no bonds. Lol but my gains over last few years was basically nothing

The bulk of my 401k is in an FDIC insured cash equivalent. The rest is in energy stocks from the spring 2020 bottom which are still rising. I will start rolling into some tech stocks once they drop 80 to 90%

I haven't lost much at all, played it safe this time.

You should be putting money into your 401k every paycheck. That way you catch the ups and downs and on average you will have a 10-12% gain annually over time. You will occasionally have a year when you are down but you will also have years when you are up substantially. The rate of return is amazingly consistent at about 12% over any ten year period.

This is the mindset I try to bring awareness to. It might be right or wrong, but it's worth noting.

One:
They spent decades if not a century, proving vaccines were safe and effective, for this one moment in time, to vaccinate a significant portion of the world ALL at once.

Two:
They've conditioned the world to always buy the dip for decades, leading up to this one point in history that the buy the dip, was actually the falling knife that didn't stop. IE: 1930 stock market.

Three peak super cycle about to repeat. Stocks didn't meet their then equivalent values again, for fifteen (15) years or so. Just something to think about. History tells us the story, for those that wish to learn from it. Some people don't have ten to twenty years to recover their money.

Why not just allow your paycheck to collect and accumulate into your 401k short term interest bond account, and when the decline is done, shuffle it all into value stocks?

Why does one think they have to ride the decline down at all?

i dont hold any bloated tech junk or index funds or anything, not into passive investing, more like active investing on a long time horizon.


etfs securities of commodities futures prices are doing well, and energy, and PM senior and junior miners are doing well.

if i believe in it and its red, i just DCA down with it. doesn't bother me.

i dont think people have been conditioned to "buy the dip" for decades.

boomers and gen x-ers were by and large passive index fund investors or had managed 401ks and did very little active investing. the masses have really only started jumping into these online brokerage accounts in the last 5-10 years and more so in the last 5. hardly "decades" of buying the dip.

and just like 1929 and the great depression, many will go broke, and some discerning folks will make a fortune. bears sitting on the sidelines not understanding the plays available, or not having the courage of conviction, will miss big opportunities - bear markets are where you actually make money.

For those that were paying attention, that sidelined their 401ks Dec 2021, they are exactly on par today, with the value they held Dec 2021. If you moved to short term interest bonds, you've lost nothing.

Meanwhile, each and every check, and corporate match, is deposited into this holding increasing it's value.

As the stock market declines, yes you aren't making money, you are salvaging money. Most would agree that if you were even keel in December, you've saved, salvaged, and KEEP, at least 30% of your portfolio value today, as the market has gone south.

Let the market decline, and buy back in when it's at the bottom. That's how you give yourself an instant raise. Corporate 401ks (as opposed to self governed 401ks) don't allow you to short the market, but they do provide you the means to sidestep the decline.

You MAKE money by side stepping the declines, and when the reversal comes, more on the upside.

except no one knows when it's the bottom. that's why you buy the dip. by the time you realize it's the bottom, you'll be buying the sure thing and miss a lot of value from fear of paper losses.

This goes back to how well you know and understand the markets. If you are diversified, it's likely because you don't know how to invest in the market. It's not a snide remark to the investors intelligence, it's a potential reality. A safer bet. But sometimes, those plans don't work out.

I actually met a few multi-millionaires years ago that told me, don't ever diversify until you HAVE wealth, or unless you want to keep wealth. When you are acquiring wealth, place all your eggs into that basket, and learn to become fantastic at watching that specific basket. Diversity is even keel, to maintain, and not to really earn much at all.

While I can claim this, I would never expect most people to do this. Learn to chart the stock market. I FORCED myself to learn this, and hated every minute of learning it. BUT, in time, it gives you the understanding how markets moves. Everyone who studies their craft, will become VERY good at them over time. Now, I can't wait until the market opens. To close shop up Friday, and actually look forward to Monday morning. They say the market is gambling, and it is. But, for those that learn to acquire a knack and talent, it's as easy as money simply jumping into your pocket.

If you could do this, would you too, not be interested? As you mentioned before, how do you know what is the bottom? Supports, and resistances are your answers. What is likely, and logical.

My 401K is now a 201K probably a 101K by end of next week!

I came here with nothing and I still have most of it!

I always get a kick out of that saying. At least you can get a laugh out of it.

Many people still wouldn't know what that means.

$20k down

nothing

been buying silver and gold. Doing great

Technically, I haven't lost a dime. Though I am showing a paper loss of about 50k on a 350k 401k.

I just got into buying stocks 2 weeks ago. Im up about 5% so far.

Ive only gotten in on 2 different stock picks so far.

I'm 80% cash and 20% in equities. I'm down around 5.7% YTD.

401k the biggest scam ever

You only lose if you sell...Even then you may not lose if you have been in the market for 30 years...

Just wait till September...

Shmita carsh

I went into rel-estate.

See this smile.....

This is a stupid mentality that gets most people burnt.

You definitely lost it even when you are holding because it’s simply not there anymore. And when you lost it it’s no longer liquid or contributing to your net worth.

So let’s throw that BS into the garbage.

Lol. When the system crumbles and all you people wave your paper with numbers at each other thinking they mean anything, I'll be laughing

Still have the same number of shares, the price has come down...It will return with growth, I promise...

Nothing.

The investments we still hold are real estate, and moved from stocks into commodities in January. Otherwise, sitting on a cash stack to buy in when we think the market has bottomed.