Reply to Why is my vangaurd account performance -4%?

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[quote=Anonymous]The best time to buy something is on sale. Keep dollar cost averaging and buying consistently. No one has a crystal ball to see when the market bottoms out.  Don't jump out of the race and sit on the sidelines. You'll miss out on upswings.  Keep buying.

I personally don't think we've bottomed out yet.  In 08 I kept buying and buying steady and consistently.  By 2011 I had regained all losses. I was back to gaining in 2011 2012.  Dot com took longer BC the rough negative years were over a three year period vs the shorter 08 crisis.  Please remember that if you lose 20% the market has to gain  30% for you to gain back your losses.

Think about your risk tolerance vs risk capacity.  In 08 the market went down nearly 40%.  My risk tolerance and risk capacity is high as a 50 year old BC Ive continued to invest through two major recessions.  No one likes to see dropping portfolios but the party never lasts forever.  The historical bull market we are getting out of had an unprecedented 12 year run.  Typically out of ten years, two of those years will be volatile and negative. I am confused why you are only down 4% invested in that fund.  Check your other holdings and make sure you're not holding cash.

Continue to invest in low cost index funds.  Take a deep breath and buckle up for the upcoming bear market. Volatility is your friend of you keep playing the game.  You only get hurt on the roller coaster if you jump off.[/quote]

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