Comments on: Is It Time To Get Back Into The Stock Market? http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/ Personal Finance. Investing. Wealth Building. Wed, 17 Mar 2010 18:11:08 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Al http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-22120 Al Thu, 02 Jul 2009 05:24:30 +0000 http://www.moolanomy.com/?p=1427#comment-22120 Ok. You have good points and I would like to take the time to do that. But, I was in the market and lost 65% of my retirement plan and then got bad advice from someone and lost even more by putting everything into reserve. Now when I want to get back in the MF I had before are 50% higher and double what they were and I'm kicking myself. I would like to see a financial planner but the last time I did that I waited for ages for his advice (diff than above) and went from $18,000 to $8,000 then he said, invest with me...now I'm scared of changing companies and of listening to anyone and my money is still in reserves while the old MF I had are looking a lot better. I'm so scared to lose again. I feel helpless. I want to put it back in, but will they fall hard again? And I'd like to put a huge lump sum in the one that's doubled, but my fear keeps me from doing that or moving at all again. Ok. You have good points and I would like to take the time to do that. But, I was in the market and lost 65% of my retirement plan and then got bad advice from someone and lost even more by putting everything into reserve. Now when I want to get back in the MF I had before are 50% higher and double what they were and I’m kicking myself.

I would like to see a financial planner but the last time I did that I waited for ages for his advice (diff than above) and went from $18,000 to $8,000 then he said, invest with me…now I’m scared of changing companies and of listening to anyone and my money is still in reserves while the old MF I had are looking a lot better.

I’m so scared to lose again. I feel helpless. I want to put it back in, but will they fall hard again? And I’d like to put a huge lump sum in the one that’s doubled, but my fear keeps me from doing that or moving at all again.

]]> By: Three Reasons Why Gold and Oil May Not Be Your Best Investment Move Now http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-21985 Three Reasons Why Gold and Oil May Not Be Your Best Investment Move Now Thu, 25 Jun 2009 10:02:45 +0000 http://www.moolanomy.com/?p=1427#comment-21985 [...] you have a sound and tested trading strategy - you may want to go for it.  But if you don’t, you’re probably going to be better off [...] [...] you have a sound and tested trading strategy – you may want to go for it.  But if you don’t, you’re probably going to be better off [...]

]]> By: 138th Edition of the Festival of Stocks http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20931 138th Edition of the Festival of Stocks Mon, 27 Apr 2009 13:50:54 +0000 http://www.moolanomy.com/?p=1427#comment-20931 [...] Is It Time To Get Back Into The Stock Market? posted at Moolanomy. Introduction to Investment Policy Statement and how to use it to make better investment decisions. [...] [...] Is It Time To Get Back Into The Stock Market? posted at Moolanomy. Introduction to Investment Policy Statement and how to use it to make better investment decisions. [...]

]]> By: The Financial Blogger » Blog Archive » Carnival of Financial Planning - April 25, 2009 Edition http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20916 The Financial Blogger » Blog Archive » Carnival of Financial Planning - April 25, 2009 Edition Sat, 25 Apr 2009 10:37:13 +0000 http://www.moolanomy.com/?p=1427#comment-20916 [...] presents Is It Time To Get Back Into The Stock Market? posted at Moolanomy, saying, “If you got out of the stock market, an Investment Policy [...] [...] presents Is It Time To Get Back Into The Stock Market? posted at Moolanomy, saying, “If you got out of the stock market, an Investment Policy [...]

]]> By: Investment Strategies That Work - Day 4 - Asset Allocation http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20903 Investment Strategies That Work - Day 4 - Asset Allocation Thu, 23 Apr 2009 09:04:13 +0000 http://www.moolanomy.com/?p=1427#comment-20903 [...] volatile than bond funds, you  first decide how much risk you are willing to take.  If you want a higher return and are willing to take more risk, you use an allocation that is more heavily weighted towards equity funds If you are risk-averse, [...] [...] volatile than bond funds, you  first decide how much risk you are willing to take.  If you want a higher return and are willing to take more risk, you use an allocation that is more heavily weighted towards equity funds If you are risk-averse, [...]

]]> By: MoneyEnergy http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20894 MoneyEnergy Wed, 22 Apr 2009 14:52:35 +0000 http://www.moolanomy.com/?p=1427#comment-20894 It's a good idea to have a general goals and policy statement, even if implicit, and revisit it every year, even every 6 months. Rebalancing also doesn't have to take the form of actually moving your money, but just redirecting new funds into the right allocations. DebtGoal's right that at the very least you need to be simultaneously building your emergency fund or two. My only hesitation about needing to do it *first* before any investment is that you can't buy back that time in the market. So my own preference is to be working at it all at once. It’s a good idea to have a general goals and policy statement, even if implicit, and revisit it every year, even every 6 months. Rebalancing also doesn’t have to take the form of actually moving your money, but just redirecting new funds into the right allocations.

DebtGoal’s right that at the very least you need to be simultaneously building your emergency fund or two. My only hesitation about needing to do it *first* before any investment is that you can’t buy back that time in the market. So my own preference is to be working at it all at once.

]]> By: DebtGoal http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20861 DebtGoal Mon, 20 Apr 2009 22:58:03 +0000 http://www.moolanomy.com/?p=1427#comment-20861 For people that revolve non-mortgage debt from month to month, getting back into the stock market CANNOT take priority over paying down existing debt. I would even argue that, for those with income insecurity, getting into the stock market should take a back seat to two particular actions: (1) setting up an emergency expense fund for medical, food, and transportation costs; and (2) setting up an emergency fund for swinging the monthly mortgage payment - at least 3 months of a reserve for this. The risk in losing the house needs to be mitigated far more readily than the foregone incremental gains in stock investments. For people that revolve non-mortgage debt from month to month, getting back into the stock market CANNOT take priority over paying down existing debt. I would even argue that, for those with income insecurity, getting into the stock market should take a back seat to two particular actions: (1) setting up an emergency expense fund for medical, food, and transportation costs; and (2) setting up an emergency fund for swinging the monthly mortgage payment – at least 3 months of a reserve for this. The risk in losing the house needs to be mitigated far more readily than the foregone incremental gains in stock investments.

]]> By: Mike http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20858 Mike Mon, 20 Apr 2009 22:13:04 +0000 http://www.moolanomy.com/?p=1427#comment-20858 Thanks a lot for the link! Mike Thanks a lot for the link!

Mike

]]> By: RAJEEV KUMAR SINGH http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20856 RAJEEV KUMAR SINGH Mon, 20 Apr 2009 19:29:46 +0000 http://www.moolanomy.com/?p=1427#comment-20856 Good to read this .. Proper planning and execution is the crux of the matter..All great thinsg are achieved by good planning and great execution... This was well explained in here.. Thanks for this.. Good to read this .. Proper planning and execution is the crux of the matter..All great thinsg are achieved by good planning and great execution… This was well explained in here.. Thanks for this..

]]> By: Pinyo http://www.moolanomy.com/1427/is-it-time-to-get-back-into-the-stock-market/comment-page-1/#comment-20851 Pinyo Mon, 20 Apr 2009 15:50:48 +0000 http://www.moolanomy.com/?p=1427#comment-20851 @SJ - Thank you. It doesn't have to be complete or perfect the first time around. As long as you keep building on what you have, you should be fine. @Wealth Pilgrim - Yes 2008 was tough. As far as risk tolerance issue, this is how I would address it. Your risk tolerance should dictate your asset allocation, and not whether you should be in or out of the market. So if your risk tolerance level only allows you to lose 10% a year, you should be heavily investing in fixed-income in the first place. If your fixed-income allocation becomes heavy due to decline in equities, then you should rebalance your portfolio according to plan. @SJ – Thank you. It doesn’t have to be complete or perfect the first time around. As long as you keep building on what you have, you should be fine.

@Wealth Pilgrim – Yes 2008 was tough.

As far as risk tolerance issue, this is how I would address it. Your risk tolerance should dictate your asset allocation, and not whether you should be in or out of the market. So if your risk tolerance level only allows you to lose 10% a year, you should be heavily investing in fixed-income in the first place. If your fixed-income allocation becomes heavy due to decline in equities, then you should rebalance your portfolio according to plan.

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