Money, investments, and other financial stuff

[Blizzard]

Well with how this war is impacting the markets I made the decision to stop putting more money into my typical investments and instead into a high interest savings account until the markets rebound for a decent amount of time and I can trust putting money back into those investments.

I sort of feel like we are on the cusp of a recession so rather than putting more money into the market to ride the wave down, I'll just keep what I have in there and send the biweekly payments into the savings account.  Hoping I'm wrong about the recession but it's pretty hard to ignore all the signs.

I've been investing every 2 weeks, good or bad, since I started investing around 10 years ago.

I've always bought into the belief of time in the market over timing the market.

That means that I don't necessarily have a ton of excess cash lying around for when the market dips, and people have given me flak for this strategy... But I've done alright over the years and it's stress-free, no constant following the market to see what's happening.

It's tough when it seems like you're throwing money into a sinking ship, but at this point I don't even think about it anymore.

[Seafoam]

What really bugs me about this. It didn't have to happen.

[Johnnymac]

Well with how this war is impacting the markets I made the decision to stop putting more money into my typical investments and instead into a high interest savings account until the markets rebound for a decent amount of time and I can trust putting money back into those investments.

I sort of feel like we are on the cusp of a recession so rather than putting more money into the market to ride the wave down, I'll just keep what I have in there and send the biweekly payments into the savings account.  Hoping I'm wrong about the recession but it's pretty hard to ignore all the signs.

I've been investing every 2 weeks, good or bad, since I started investing around 10 years ago.

I've always bought into the belief of time in the market over timing the market.

That means that I don't necessarily have a ton of excess cash lying around for when the market dips, and people have given me flak for this strategy... But I've done alright over the years and it's stress-free, no constant following the market to see what's happening.

It's tough when it seems like you're throwing money into a sinking ship, but at this point I don't even think about it anymore.

I totally get this and by no means am I pulling or rebalancing my investments, I'm just not adding to those while the returns are poor.  Yes there is logic in riding it all the way down and all the way back and by no means am I trying to "time" when to start to invest in those at the "bottom."  Not all of the stuff I invest in is earmarked for retirement, some of it is planned to be spent in the next 1-3 years, so pulling it out of a losing market has some sense.

In the end, it's really not a lot of money either way and I'm not stressing over it or anything.

[Johnnymac]

What really bugs me about this. It didn't have to happen.

Ain't that the truth...mind you I tend to believe this war is just accelerating the market into a recession it was going to end up in at some point anyway.

[Seafoam]

Agreed