Talking stocks, trading, and investing in general

[otc]

fund in my HSA that continues to be a dog. Am I crazy to just drop it and move on to something like a total index fund? I feel like an idiot selling when down, but I also feel like an idiot holding this fund that has just done flat out worse than everything else I have held

Would you buy that fund right now at today's price?

It is in an HSA, so it is not like there are any tax consequences to holding vs selling.

So basically: if you had cash in the account right now rather than the fund, would you buy the small cap fund at today's price, or would you buy the total/broad fund?

 

[Jen]

So basically: if you had cash in the account right now rather than the fund, would you buy the small cap fund at today's price, or would you buy the total/broad fund?

this is really good advice.

 

[gettoasty]

but what about diversification? Large mid and small cap. International. A global allocation in other words. Granted I think I’ve seen some heavily weighted S&P index portfolios like 401k just outpace everything else. 🤷🏻

It seems the takeaway is just KISS.

Curious if anyone here is doing some sort of tax managed NON-RETIREMENT portfolio i.e., strictly stocks. Basically managing the year to year capital gains. My understanding is that this type of portfolio is actively managed so it may seem to go against the genera sentiment here I think e.g., DIY. And it can also get complicated.

 

[brokencycle]

Would you buy that fund right now at today's price?

It is in an HSA, so it is not like there are any tax consequences to holding vs selling.

So basically: if you had cash in the account right now rather than the fund, would you buy the small cap fund at today's price, or would you buy the total/broad fund?

That's a fair question. I honestly don't know - there's a certain hindsight bias built in. When I look at the last 10 years, it has under-performed my other funds. So on the one hand I ask: will it continue to under-preform, so I should just move it to something like total market. Or will it have outsized growth at some point and make it up?

My general bias is to just let things sit. We're talking a small percentage of my portfolio although in the best tax advantaged position.

 

[Piobaire]

CNN has above the fold, front page article on how April will the economy tank.

Time to buy, boiz.

 

[venividivicibj]

The kiss of death

 

[Omega Male]

So today we are doomed because of deflation? I can’t keep up.

 

[PhilKenSebben]

So today we are doomed because of deflation? I can’t keep up.

As economists, you and I both know,most of this **** is made up and half of the people are right and half of the people are wrong atany given point in time.

It is the dismal science for a reason

 

[Jen]

As economists, you and I both know,most of this **** is made up and half of the people are right and half of the people are wrong atany given point in time.

It is the dismal science for a reason

“Science” here is broadly construed

 

[ValidusLA]

Just keep buying bros. Stocks are like Pokémon!

Except Nvidia. I sold that for like 100% gain in 5 months and want nothing more to do with its nonsense P/E.

 

[Texasmade]

Except Nvidia. I sold that for like 100% gain in 5 months and want nothing more to do with its nonsense P/E.

That's not how you diamond hands.

 

[jbarwick]

Just keep buying bros. Stocks are like Pokémon!

Except Nvidia. I sold that for like 100% gain in 5 months and want nothing more to do with its nonsense P/E.

Sold mine as well for the one bright spot of my individual company shares.

 

[PhilKenSebben]

“Science” here is broadly construed

Oh go write another lemma...

 

[Omega Male]

We need moar chartz.

 

[jbarwick]

If you draw enough charts, some of them will look right.