Always be buyin- it's my coping mechanism

I'm just letting it ride and continuing to buy. I don't want to have to be right twice - selling and then buying back in - because when the market decides it's ready to reach for new ATHs, usually the first moves are the biggest.

Gonna be buying as much as I can

Curl up into fetal position

I'm just a caveman. I keep buying and hoping for the best. I actually never sell anything.

Here is my play....

1) I made millions in the market by DCA in over years and year since 2002. Don't forget time is your friend...if you are reading this and young you shouldn't be radically changing your positions or going cash.

2) I continue to DCA weekly into BTC. I am net free on multiple coins and continue to DCA in regardless of the market. I would recommend all get some exposure to BTC at this point.

3) Some of my crypto is in FBTC...I have been very successful in this volatile market selling covered calls...over the past 4 month I am now 20/20 on positive covered calls trade netting ~20% annualized additional return on my position. Once again...continue to drive down your cost positions on thing you want to hold long term. This is a grind but adds up over time. I do this on other longer term holds as well.

4) For cash positions I have been actively swinging in/out of TLT. For example, past few weeks netted a 8% gain in TLT in a matter of weeks....that would have been the gain of that cash position in 2 years. I am now beginning to re-enter as it has pulled off recent high. Just an idea of how to get better return in a tough market.

5) In December I changed jobs and had a decent 401K from my last employer transition over to my IRA. That has been sitting in cash and this week have started to drip back in..we are now at ~ 10% drawdown in QQQ.

4) Finally....my best advice on broader allocations is to use RATIO charts. Run 5 year WEEKLY charts with ratios of major indices to adjust your allocations across your portfolio. I use the information from these longer term RATIO charts to IDENTIFY trends in market outperformance and then base drive decisions on broader allocations / ETF sector exposure. These are not short term trades, thing more along the lines of positioning for longer term.

SPY / QQQ - SPY breaking to the upside on a long term downward trend since '23, I would tend to have more allocation towards SPY right now until QQQ resumes a trend of over performance. Very similar look to '20-'22 on this ratio chart.

SPY / VVIAX (Value) - value stocks continue to touch on a long term trend since breakout in 2022. I am not allocating anything to value ETF now but it is getting close to breaking...something to watch

SPY / SCHG (Large Cap Growth) - SCHG been overperforming SPY since '23....though recently SPY trying to to reverse this trend...once again something to watch on allocation shift in your portfolio.

SPY / IWM (small caps) - SPY been over performing IWM since '21. I see nothing intriguing on this chart to warrant a substantial position in IWM...gotta be patient and see if a the trend/setup changes.

XLY / SPY and XLP / SPY - Both had some recent outperformance compared to SPY though XLY has broken down. Gotta continue to be patient, not heavy in this yet but watching to see where this ratio goes next. Similar move over the past months with XLF, though I excited that earlier in the week.

Anyways I think you get the idea....I do this analysis weekly for SPY and QQQ against all the major sectors (XLY, XLC, XLU, XLK, XLE, XLF, IWM, RSP, blah blah blah). Every weekend I go over new charts and get grounded and see if I want to make any allocations shifts.

One more thing....after doing the above and identifying what sector/market index I want to have more allocation towards...I well then do daily screens/chart reviews for outperforming individual stocks to swing trade. At the end of the day though these are much smaller trades than the larger allocations above. Recent example...I went heavy in XLF....and then went heavy into BRK.B. Have excited those trades now but both did well using the methodology above.

In March of 2020 (yeah) I was in the middle of consolidating two IRAs from a previous employer 401k and some cash from inheritance to a new management company. Look, I know how some feel about paying someone (or a firm), but I have better things to do with my time and I recognize my sell side strategy is awful...

I continue to add to the taxable brokerage account, usually quarterly. I can't add to the IRA s (Roth and traditional), due to income limitations and the pro rate rule.

In 5 yrs I've nearly doubled twice.
As luck would have it I'm moving the last funds over to management from a small "play" brokerage now. Closed it out a week ago and the paper check arrived yesterday (cheaper than the wire fees).

I'm 44. I have time. Buy! Buy! Buy!

As long as there are millions of 401K accounts slapping the S&P bid at every paycheck, there won't be a historic crash. IF that starts to get disrupted in any meaningfull way by a perfect storm of boomer retirement and job automation, it could get scary.

I've lost way more dollars selling than I ever have by holding or buying. And if you want to make money you need to be buying during times like this.

Back in Dec/Jan we shifted our risk profile down a level and went from about 90/10 equities / fixed income to 75/25. Two main reasons:

1. We already have more than enough to retire on and wanted to protect more of what we have. IOW, we could afford to be less risky.

2. The debt concerns me. Our spending is out of control with no end in sight. Something has to give. No idea when it will but felt it was time we could dial it back a little and try to at least mitigate some of that impending mess. (I have zero faith we will cut spending that matters so this drives my outlook.)

Regarding international, the professionals are bearish here and have been for some time. I have my allocation towards it but I haven't put anything new in it in some time. If we are not in great shape, the rest of the world is in terrible shape.

Tormentos said:

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Here is my play....

1) I made millions in the market by DCA in over years and year since 2002. Don't forget time is your friend...if you are reading this and young you shouldn't be radically changing your positions or going cash.

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this a million times over. i made mine by living below my means and DCA every spare penny i had into index funds, regardless of the market conditions. discipline and time will make you wealthier than the rare well-timed trade.