Current strategy?
- Thread starter vipp
- Start date
My strategy hasn't changed. I continue to invest every month and will continue to do so till my cash reserve for investing is empty. I live below my means and reinvest anything leftover. I don't have a lot of things since I find they are an anchor to freedom.
Strategey has not changed as I invest ultraconservative to risky
My decision is based on how much money do I need to ride out a market downturn and that money goes into safety and the rest rides the market. Tariffs are short term noise as is Trump and MAGA. Trump will disappear into trash bin of the worse President in history as he sits in prison but the market will still be there and so will my investments
My decision is based on how much money do I need to ride out a market downturn and that money goes into safety and the rest rides the market. Tariffs are short term noise as is Trump and MAGA. Trump will disappear into trash bin of the worse President in history as he sits in prison but the market will still be there and so will my investments
So you refuse to market time?
Sounds like you are dripping but that is market timing and is a term created by mutual funds and banks to get your to buy their funds
It isn't that at all. DRIPping is simply another tactic that helps investors with the psychology of investing. And that is the number one stumbling block to success. Ourselves. Yes, lump sum is mathematically better. However, if DRIPping makes someone feel safer and gets them in (to stay) in the market then it is worth far more than any mathematical "optimization"
For myself, I am and will remain fully invested. If you "time" the market for every single fucking political event or earthquake that comes along you're not an investor. You're a speculator. Or, more likely, an idiot. And the financial industry loves idiots.
I thought at the end of 2023 that the market was fully priced. I stayed invested and made 23 % in 2024. When the market dropped about 10% early in 2025 , - I was fully invested - I thought that if I ended 2025 still down 10-15% that would be reverting to the norm . I am now up about 7% for 2025 . If I end 2025 down 10% for the year I would not be surprised.
When I say fully invested that means about 10% cash and almost no bonds.
I am not smart enough to time the market but I am smart enough to be fully invested all of the time and to be very diversified in quality stocks .
When I say fully invested that means about 10% cash and almost no bonds.
I am not smart enough to time the market but I am smart enough to be fully invested all of the time and to be very diversified in quality stocks .
I purchase a company's shares every month. When a significant drop happens I'll pick up extra that month if warranted. I don't like to do large purchases as I'd rather have the highs and lows. Not getting the mathematical optimization as stated by @Liam011 but it's much easier on the nerves. I don't buy mutual funds only Canadian stocks. Better tax advantage in my cash account plus I use the cash for living expenses.
I'm quite pleased by the results. I find it comes down to ROI and piece of mind
My Three Portfolios have three different strategies:
- Retirement Portfolio: Continue dollar cost averaging in. Good times, bad times, always stay steady acquiring.
- Secondary Portfolio: Reallocate when new opportunities emerge or I lose confidence in a sector. Usually small movements but sometimes completely dump a stock.
- Gambling Portfolio: Mostly crypto. My main bag has 6-figure gains. Major reallocations when I see better opportunities and de-risk often. I'm mostly in XRP, HBAR, ETH, BTC, and for the laughs some DOGE.
I just invested 25% of my portfolio in unh. In a market where everything is overvalued, unh seems to be a great bargain. It has issues, but nothing it can’t overcome.
Investing in individual stocks is a fools game
You believe you can outsmart the market where others cannot
It is extremely difficult to pick the few winners despite how logical it all seems and what the experts say
Buy the whole market with an index fund.
Yes, you are guaranteed to be buying losers but you are also guaranteed you buy the winners
Buy one stock and you are guaranteed only that you have a high probability of having bought a loser and a guarantee you will become attached to it and a guarantee you will have no idea when to dump and a guarantee of worry
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See, I'm a bit blind to the whole investment thing (even my current idea is using one of those TD investment accounts), but recently I've decided to put my money in physical assets. I bought 2 used corollas for $4k each and hope to resell them at the end of the year.
Those are depreciating assets.
Physical assets such as real estate and precious metals are fine.
I noticed it can be hard to get transmission flushes on old cars if they think the coolant line might be corroded. So they only offer the drain and fill which only exchanges around 5 litres.
So that's the thing, ontario has the highest percentage of new drivers compared to the rest of the country. 35% of all vehicles driven here are by people with a license acquired in the past 5 years. I'm not keeping the corollas for long, it's more $8k now then flipping them for a bit more in the next year or so.
My Strategy (I'm leaning low risk due to close to retirement):
20% precious metals (mining stocks)
10% energy stocks
10% tech stocks
40% GIC's
10% liquid cash
10% precious metals (bars, rounds)
20% precious metals (mining stocks)
10% energy stocks
10% tech stocks
40% GIC's
10% liquid cash
10% precious metals (bars, rounds)
