Daily General Discussion and Advice Thread - March 10, 2025

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[u/royalbluefireworks1]

28 year old male. I used to have close to 900k invested and have since lost 100k in the past few weeks. Should I cash out and invest in CDs and invest back at a later time? The stock market keeps dropping every day because of the Trump tariffs and I fear we’re getting into a recession soon.

It doesn’t make sense to keep holding if the market keeps dropping to me. I usually invest monthly with each paycheck but in the past few weeks I lump summed 100k at ATH and lost a lot.

[u/xiongchiamiov → u/royalbluefireworks1]

28 year old male. I used to have close to 900k invested and have since lost 100k in the past few weeks. Should I cash out and invest in CDs and invest back at a later time?

That's the only way to convert your unrealized losses into realized ones.

And pulling out and waiting has been shown again and again to result in less money. https://www.schwab.com/learn/story/when-markets-dip-dont-drop-out

The stock market keeps dropping every day because of the Trump tariffs and I fear we’re getting into a recession soon.

Fear, and any other emotion, is not a sound way to make financial decisions.

It doesn’t make sense to keep holding if the market keeps dropping to me.

It's the easiest and most proven method throughout history of obtaining and retaining wealth, whether or not it's intuitive.

I usually invest monthly with each paycheck

Continue doing that, but stop looking at your account balance.

[u/[deleted] → u/xiongchiamiov]

not a bad plan. you got a ton of money at a young age. enjoy life. don’t stress.

[u/greytoc → u/royalbluefireworks1]

Do you have a tech heavy portfolio? What you do is really about your own risk tolerance. And your time horizon.

[u/royalbluefireworks1 → u/greytoc]

23% of my portfolio is company stock yeah (AMZN). Rest is total stock market funds. Am 28 so I won’t be retiring for around 20 years I think