马虎活得糊糊涂涂，糊涂做事马马虎虎
难得糊涂。望能帮助大家解答投资理财的问题。使大家在投资理财的过程中， 不马马虎虎以及不糊糊涂涂被人忽悠, 尽快实现财务自由。
First of all, we are not talking about your regular scheduled contributions to your 401(k), 402(b), 457(b) or IRAs. For those contributions either by every paycheck period or on your own schedule, you allocate the money to buy funds. You should continue to contribute to your retirement accounts without fail. You should never time the market with your retirement savings!
http://blog.wenxuecity.com/myblog/72332/201801/19668.html?
This is not what we are talking about here! We are talking about the extra cash from selling a property, receiving a cash gift from your parents, and for whatever the reasons, etc. When and how do you put the cash into the market?
You need to wait for an entry point to get into the market. The entry point would be either a recession or a correction. A recession is by definition two consecutive quarters of negative GDP and a correction is the broad equity market down 10% from its recent high. When we say the broad equity market, we usually refer to S&P 500 Index. Based on historical data, US stock market average a correction every 12 months. The most recent one was in October 2023.
While you are waiting for an entry point, I would suggest you to leave your cash in short term CD for now, or you can buy short term US treasury, build a treasury ladder by using 4, 8, 13 and 17-week treasury bills, check the following link.
https://www.treasurydirect.gov/.
When the entry point level has reached, you should put the money into the market with a dollar cost average method which will help spread your risk around.
http://blog.wenxuecity.com/myblog/72332/201810/34880.html.
On February 19th, 2025, S&P 500 Index has reached the historical high of 6.147, 10% correction will be around 5,532 level. If we reach that correction level, I would sugguest to use dollar cost average method to get into the stock market.
On December 16th, 2024, Nasdaq Index has reached the historical high of 20,204, the corrections will be 10% 18,184 and 15% 17,173 respectively.
I have listed the following several major entry points in the past 14 years for your reference. As a matter of fact, there were a couple of 10% down entry points in between as well.
谢谢！
看你的留言：“S&P500 Index Fund (500 stocks) 或者 Total Stock Market Index Fund (3000 stocks)"
我理解是 SPY 和 VTI
这两个，我都有。
SPY在我的投资组合里， 占比很大。
这两天， 我又卖了几个个股， 就等着SPY下来， 就一点点的再进。
准备将个股消灭， 就买VTI， voov， voo， qqq 。。。了
谢谢你的一直分享， 感恩有你！
We are talking about the broad stock market and the index I am using here is S&P 500. On April 23rd, it closed at 2,670 and last Friday June 1st, it closed at 2,734. It went up about 2%. Not a lot!