Author Topic: Anyone putting more money into stocks?  (Read 4652 times)

Abe

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Anyone putting more money into stocks?
« on: April 04, 2018, 12:22:19 AM »
With all the churning in the markets and the drop since early January, has anyone invested more money into stocks than they normally do? I was thinking about putting in more so over the next several months. My AA will be 80% stocks / 20% bonds for the next several years, and it's there right now. I'm guessing it's better to stick with the game plan, and not try to time this nonsense. What's your all's opinions?

smallstache

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Re: Anyone putting more money into stocks?
« Reply #1 on: April 04, 2018, 02:40:38 AM »
Yes.  We put $6k into the TSP C Fund every month.

NoStacheOhio

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Re: Anyone putting more money into stocks?
« Reply #2 on: April 04, 2018, 06:12:19 AM »
No. Just my regular contributions every two weeks. I'd love to be putting more in, but we have to pay off debt first.

itchyfeet

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Re: Anyone putting more money into stocks?
« Reply #3 on: April 04, 2018, 06:55:15 AM »
I  don’t see any reason that you would choose to go all in for stocks in a volatile time when one of the main reasons you would have bought bonds in the first place is because they are less volatile than stocks.

“Hmmm, I will hold some bonds in my asset allocation because stock prices are very volatile... oh look stocks are even more volatile than usual, I should go 100% stocks”.

GuitarStv

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Re: Anyone putting more money into stocks?
« Reply #4 on: April 04, 2018, 07:19:13 AM »
No.  When you rebalance it already forces you to buy low and sell high.

You have asset allocations to prevent yourself from attempting to time the market.  If you change your asset allocations in response to what you think will happen in the future, you are market timing.  Following your asset allocation prevents you from doing something stupid like in 2007 saying "Oh, we just had a drop in the market . . . I should go 100% stocks!"

Car Jack

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Re: Anyone putting more money into stocks?
« Reply #5 on: April 04, 2018, 07:44:05 AM »
During the entire ramp up in stocks, I was sticking with my AA and doing $10,000 "sell dollars to buy" transactions to keep the AA constant.  Now, the AA has drifted enough the other way that it's time to again do some "sell dollars to buy" in the opposite direction.

I actually just called Fidelity because I know they have limits on how long you need to stay in a fund once bought.  I last bought 60 days ago, so I'm fine as it's only 30 days.  Will be doing the swap late in the trading day so I have a better handle on where the market went.  I expect equities to tank today and bonds to stay the same or rise.  Good rebalance day.

hodedofome

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Re: Anyone putting more money into stocks?
« Reply #6 on: April 04, 2018, 03:47:26 PM »
Yes I took the money I made on my house and put it in:

HUBS
CRM
SHOP
RNG
ZEN
AMZN
FB
NFLX
TSLA
TCEHY

We may not be at the bottom, but we're 10% closer to the bottom than in January. Most of the stocks on my buy list were at the lower end of their relative strength index readings over the past several years, meaning they've sold off on a 'relative' basis about as much as they have over any other short term pullback in the market. That's good enough for me. I like their long-term prospects and I think this bull market has at least a few more good years in it. This is a short term pullback in a long term bull market IMO.

SwitchActiveDWG

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Re: Anyone putting more money into stocks?
« Reply #7 on: April 04, 2018, 04:03:45 PM »
No.  When you rebalance it already forces you to buy low and sell high.

You have asset allocations to prevent yourself from attempting to time the market.  If you change your asset allocations in response to what you think will happen in the future, you are market timing.  Following your asset allocation prevents you from doing something stupid like in 2007 saying "Oh, we just had a drop in the market . . . I should go 100% stocks!"

These are exactly my thoughts. If I'm going to gamble, I'd rather play poker.

frugal_c

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Re: Anyone putting more money into stocks?
« Reply #8 on: April 04, 2018, 04:16:47 PM »
Yes, increased my allocations.  Went from 70% to 80% stocks.

DreamFIRE

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Re: Anyone putting more money into stocks?
« Reply #9 on: April 04, 2018, 04:25:38 PM »
I like their long-term prospects and I think this bull market has at least a few more good years in it. This is a short term pullback in a long term bull market IMO.
Didn't you hear about the coming recession by 2020?

https://forum.mrmoneymustache.com/investor-alley/ray-dalio-predicts-recession-before-2020/

Travis

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Re: Anyone putting more money into stocks?
« Reply #10 on: April 04, 2018, 04:48:58 PM »
With all the churning in the markets and the drop since early January, has anyone invested more money into stocks than they normally do? I was thinking about putting in more so over the next several months. My AA will be 80% stocks / 20% bonds for the next several years, and it's there right now. I'm guessing it's better to stick with the game plan, and not try to time this nonsense. What's your all's opinions?

We haven't put more in, but that's because we don't keep any "just in case" cash in reserve for these occasions. Our usual contributions went in this week like clockwork. 

There's a reason you make a game plan in the first place. Stick to it, rain or shine.

Missy B

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Re: Anyone putting more money into stocks?
« Reply #11 on: April 04, 2018, 05:14:13 PM »
With all the churning in the markets and the drop since early January, has anyone invested more money into stocks than they normally do? I was thinking about putting in more so over the next several months. My AA will be 80% stocks / 20% bonds for the next several years, and it's there right now. I'm guessing it's better to stick with the game plan, and not try to time this nonsense. What's your all's opinions?

I've bought some individual stocks that are down 20%+, but I will not be moving money into index funds yet.
I expect the ones I bought to continue to fall, and will pick up more if/when they hit my target price.

If you've been dripping money in every month or quarter, there's no reason to change your plan. I've made most of my money doing contrarian value investing, and this market isn't offerring much of that at the moment.

Xlar

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Re: Anyone putting more money into stocks?
« Reply #12 on: April 04, 2018, 05:53:55 PM »
With all the churning in the markets and the drop since early January, has anyone invested more money into stocks than they normally do? I was thinking about putting in more so over the next several months. My AA will be 80% stocks / 20% bonds for the next several years, and it's there right now. I'm guessing it's better to stick with the game plan, and not try to time this nonsense. What's your all's opinions?

We haven't put more in, but that's because we don't keep any "just in case" cash in reserve for these occasions. Our usual contributions went in this week like clockwork. 

There's a reason you make a game plan in the first place. Stick to it, rain or shine.

Exactly the same here! Make your investment policy statement (IPS) and stick to it. If you cannot stick to your IPS due to these little perturbations then you need to rethink your IPS as your risk tolerance obviously isn't what you expected when you made it! And if you don't have a IPS... That would be the first step!

letired

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Re: Anyone putting more money into stocks?
« Reply #13 on: April 04, 2018, 05:56:37 PM »
I got a refund from my mortgage escrow and invested it according to my IPS. Idk if that counts.

Radagast

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Re: Anyone putting more money into stocks?
« Reply #14 on: April 04, 2018, 07:27:34 PM »
I would, but I already did on April 1. And at this point there needs to be about a 25% cumulative stock-bond shift before I can rebalance out of bonds and into stocks.

smallstache

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Re: Anyone putting more money into stocks?
« Reply #15 on: April 05, 2018, 01:31:43 AM »
Yes I took the money I made on my house and put it in:

HUBS
CRM
SHOP
RNG
ZEN
AMZN
FB
NFLX
TSLA
TCEHY

We may not be at the bottom, but we're 10% closer to the bottom than in January. Most of the stocks on my buy list were at the lower end of their relative strength index readings over the past several years, meaning they've sold off on a 'relative' basis about as much as they have over any other short term pullback in the market. That's good enough for me. I like their long-term prospects and I think this bull market has at least a few more good years in it. This is a short term pullback in a long term bull market IMO.

Instead of a stock portfolio like that you can go to the casino and double your money much faster.  All it takes is one spin of the roulette wheel!

appleshampooid

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Re: Anyone putting more money into stocks?
« Reply #16 on: April 05, 2018, 05:22:59 AM »
Yes I took the money I made on my house and put it in:

HUBS
CRM
SHOP
RNG
ZEN
AMZN
FB
NFLX
TSLA
TCEHY

We may not be at the bottom, but we're 10% closer to the bottom than in January. Most of the stocks on my buy list were at the lower end of their relative strength index readings over the past several years, meaning they've sold off on a 'relative' basis about as much as they have over any other short term pullback in the market. That's good enough for me. I like their long-term prospects and I think this bull market has at least a few more good years in it. This is a short term pullback in a long term bull market IMO.

Instead of a stock portfolio like that you can go to the casino and double your money much faster.  All it takes is one spin of the roulette wheel!
Craps or blackjack have a much lower house advantage.

HBFIRE

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Re: Anyone putting more money into stocks?
« Reply #17 on: April 05, 2018, 03:44:03 PM »
I bought 40 K of VTSAX/VTIAX on Monday, but only because I took out a distribution from my business that day, wasn't any attempt to time the market.  I never dollar cost average, I just buy in chunks when I take distributions every quarter.  That said, was glad to buy at what looks like a decent time.
« Last Edit: April 05, 2018, 03:47:46 PM by dustinst22 »

daverobev

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Re: Anyone putting more money into stocks?
« Reply #18 on: April 05, 2018, 08:22:41 PM »
With all the churning in the markets and the drop since early January, has anyone invested more money into stocks than they normally do? I was thinking about putting in more so over the next several months. My AA will be 80% stocks / 20% bonds for the next several years, and it's there right now. I'm guessing it's better to stick with the game plan, and not try to time this nonsense. What's your all's opinions?

Not sure about you, but my NW is back all the way to where it was in... October last year, maybe?

Stick with your plan. Put in extra if you have it and don't need it. But remember: Time in the market, not timing the market. Over 30 years or 50 years, whether you put $1000 more in now vs in three months... will be a rounding error.

Abe

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Re: Anyone putting more money into stocks?
« Reply #19 on: April 05, 2018, 10:15:15 PM »
Thanks for everyone’s opinions. We’ll just put in the usual distribution of 80/20 to keep the AA stable.

smallstache

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Re: Anyone putting more money into stocks?
« Reply #20 on: April 08, 2018, 03:26:30 AM »
With all the churning in the markets and the drop since early January, has anyone invested more money into stocks than they normally do? I was thinking about putting in more so over the next several months. My AA will be 80% stocks / 20% bonds for the next several years, and it's there right now. I'm guessing it's better to stick with the game plan, and not try to time this nonsense. What's your all's opinions?

Not sure about you, but my NW is back all the way to where it was in... October last year, maybe?

Stick with your plan. Put in extra if you have it and don't need it. But remember: Time in the market, not timing the market. Over 30 years or 50 years, whether you put $1000 more in now vs in three months... will be a rounding error.

The "drop" has only been since February.

My NW is back to ... mid-January of this year.

I see no reason to change course on anything.

grettman

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Re: Anyone putting more money into stocks?
« Reply #21 on: April 08, 2018, 07:25:33 AM »
I am not putting any more money than I normally do.  That would be market timing.

I put in my regular investments in the 401K per pay period and monthly contributions to the IRAs.

I am not into rebalancing either.  I know that many disagree with this...but I have always been 90% equities for the last 25 years...

 I sleep pretty good at night unless the cat walks across my face.

PDXTabs

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Re: Anyone putting more money into stocks?
« Reply #22 on: April 08, 2018, 10:20:55 AM »
Just my normal $1541.67/month.

doneby35

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Re: Anyone putting more money into stocks?
« Reply #23 on: April 08, 2018, 10:36:37 AM »
Just doing what i've been doing for the past couple of years. 100% stocks.
$5000/month towards 401k, HSA and taxable, IRA already maxed out. Sticking to the plan.

nihilism122

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Re: Anyone putting more money into stocks?
« Reply #24 on: April 08, 2018, 10:43:44 AM »
Lunp sum invested 25k a few weeks ago into stocks on one of the dips.  Wish I had more money to invest. 

Apple_Tango

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Re: Anyone putting more money into stocks?
« Reply #25 on: April 08, 2018, 12:17:54 PM »
I would have maxed out my IRA in Jan, but I was short on cash. I’ve been putting as much into it as I can each month, and hoping to finally max it out either this month or next- I’ve got about $4000 left to go. Unintentional market timing, kind of. I’m happy the markets are down a little.