No. of Recommendations: 0
If anyone here can successfully time, let me know. I need your number. ;-)

Seriously, stay the course and keep your allocation as is. As much as it makes sense in your head to sell all now and invest when it is low again, far be it from me to figure what that time would be.

Which does bring up an interesting topic that maybe someone smarter than I can shed some light on. The generally recommended strategy is to buy and hold unless there is some fundamental change in your investment that makes it no longer desirable. Now, if I buy and hold, how do I ever see a gain when the market is always changing? It would make sense to sell high and buy low, of course, but buy and hold is just that. So, when does a person take some gain and buy again with that money?

All that is circular logic. I assume the practice of investing a little at a time otherwise known as dollar cost averaging helps us all to spread out the cost. I am confusing myself now. Let me simplify:

I am 100% invested in the Vanguard Index 500 fund. I put $100,000 in it today. I never invest another dime. How is that money going to grow if I never sell some to lock in a profit? Please unconfuse me. ;-)
Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.