Share your experience if you timed the market

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Streptococcus
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Share your experience if you timed the market

Post by Streptococcus » Mon Apr 20, 2020 2:54 pm

Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.

mega317
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Re: Share your experience if you timed the market

Post by mega317 » Mon Apr 20, 2020 4:30 pm

Not sure if this is what you're looking for but near the bottom I was at my low-tolerable taxable balance so I TLHed, moving from stocks to bonds in taxable and bonds to stocks in tax-deferred. So then stocks went up and the net effect is that my 403b is slightly larger and taxable slightly smaller than they would be if I hadn't done that.

But it was in my IPS so is that market timing? Maybe still yes.
https://www.bogleheads.org/forum/viewtopic.php?t=6212

aristotelian
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Re: Share your experience if you timed the market

Post by aristotelian » Mon Apr 20, 2020 4:33 pm

When the market dropped to 3200 in late Feb I thought I would "buy the dip".

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anon_investor
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Re: Share your experience if you timed the market

Post by anon_investor » Mon Apr 20, 2020 4:37 pm

aristotelian wrote:
Mon Apr 20, 2020 4:33 pm
When the market dropped to 3200 in late Feb I thought I would "buy the dip".
I hope you were able to tax loss harvest that at least...

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HomerJ
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Re: Share your experience if you timed the market

Post by HomerJ » Mon Apr 20, 2020 4:41 pm

Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.
A Goldman Sachs associate provided a variety of detailed explanations, but then offered a caveat, “If I’m being dead-### honest, though, nobody knows what’s really going on.”

jeff1949
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Re: Share your experience if you timed the market

Post by jeff1949 » Mon Apr 20, 2020 4:44 pm

I sold about $90k of VTSAX in late January because I had room for 0% tax on realized capital gains in my tax bracket and wanted to harvest that. I sold at about $80 per share. When the market took a nose dive in March I bought about $30k of it back at about $52 per share. I did not mean to market time but it worked out that way. Basically I figured I was rebalancing........at least that is my story and I am sticking to it! LOL I put the other $60k into a CD with PSECU at 3% using their "automatic add-on" feature.

livesoft
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Re: Share your experience if you timed the market

Post by livesoft » Mon Apr 20, 2020 4:45 pm

HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.
This is so true. Even if one produced documents, many people on this forum would say they were photoshopped or faked.

Besides the folks who timed the market successfully already know who they are.
Last edited by livesoft on Mon Apr 20, 2020 4:49 pm, edited 1 time in total.
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siriusblack
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Re: Share your experience if you timed the market

Post by siriusblack » Mon Apr 20, 2020 4:48 pm

HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.
+1

People will only tell you about the wins. They won't tell you about the losses.

Brag: I doubled my money in a Vegas casino.
What really happened: I started with $100, turned it into $200, then lost all of it ($200) the next night.

smitcat
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Re: Share your experience if you timed the market

Post by smitcat » Mon Apr 20, 2020 4:48 pm

HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.
Absolutely a great observation.

core4portfolio
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Re: Share your experience if you timed the market

Post by core4portfolio » Mon Apr 20, 2020 4:54 pm

Everytime i timed the market for one or other investment it will go down for a while.
No matters whichever i pick....
For example, bought 2 shares of SHOP at 530 and it went down to 400s, ofcourse i bought again and its up by 50% now
Bought EDV day before yesterday.. waiting for long to buy, next day it went down by 2%.
Interesting point is if you dont sell then you can have gain better at the end which is not timing the market itself.

So every market timings made a loss initially but it end up in gains as for as individual stocks are considered.
On ETF and mutual funds, if i timed then probably i have loss but i put the money to work not waiting for long days.
So might loss 1 or 2% but my portfolio is not so big
Allocation : 80/20 (80% TSM, 20% TBM) | Need to learn fishing sooner

Topic Author
Streptococcus
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Re: Share your experience if you timed the market

Post by Streptococcus » Mon Apr 20, 2020 5:42 pm

smitcat wrote:
Mon Apr 20, 2020 4:48 pm
HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.

I disagree. This question is like a review on amazon. You can sort out the reviews from friends and family (short and rosy) from the good ones, more detailed with the pros and cons.

Topic Author
Streptococcus
Posts: 380
Joined: Thu Jan 03, 2013 12:17 am

Re: Share your experience if you timed the market

Post by Streptococcus » Mon Apr 20, 2020 5:44 pm

smitcat wrote:
Mon Apr 20, 2020 4:48 pm
HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.
Absolutely a great observation.

I disagree. This question is like a review on amazon. You can sort out the reviews from friends and family (short and rosy) from the good ones, more detailed with the pros and cons.

livesoft
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Re: Share your experience if you timed the market

Post by livesoft » Mon Apr 20, 2020 5:45 pm

A number of folks wrote about rebalancing around March 16 in this thread:
viewtopic.php?f=10&t=311448&p=5177415
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papito23
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Re: Share your experience if you timed the market

Post by papito23 » Mon Apr 20, 2020 5:48 pm

I posted this April 14 elsewhere:

I had some 2019 Roth IRA contributions to make in March. As the market started falling I thought I would also try to accelerate my 529 payments for the year by dipping into some cash on hand. But... I didn't have a firm plan. I just thought, "I'll try to buy on the big dip days" and/or "Buy a little more each time it hits a new low".

Thursday I made a retrospective Excel sheet with some backtesting. I plotted my purchased, which we erratic and uneven. I had been checking the market multiple times a day. Hmmm... is this the bottom? Is this bounce for real this time? I missed out! Oh wait... I'm still below the peak, should I buy? I wonder if some airline shares are "on sale" Etc.

I backtested several alternatives to my not-a-strategy. Including:
1) using the same amount of money and buying an equal amount every day, starting ~Feb 27 when we were 10% off the peak
2) buying every 4 days in equal amounts
3) buying only on days with >2% dips in equal amounts
4) buying only on negative days in equal amounts

Turns out that these strategies all performed about the same! And on average they bought 5% more shares than I managed to with the same amount of money. (Caveat being that I couldn't wait too long because I filed my taxes around the beginning of April).

Even with the 4 strategies above, one would need to pick an "end date" to the extra purchasing in order to spread out purchases, complicated by the fact that the length of the bear can't be known ahead of time.

So here I sit, still with some more cash... foolishly thinking I can get the better of it all!

I can't.
A thing is right when it tends to preserve the integrity, stability, and beauty of the biotic community. It is wrong when it tends otherwise. -Aldo Leopold's Golden Rule of Ecology

smitcat
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Re: Share your experience if you timed the market

Post by smitcat » Mon Apr 20, 2020 6:15 pm

Streptococcus wrote:
Mon Apr 20, 2020 5:44 pm
smitcat wrote:
Mon Apr 20, 2020 4:48 pm
HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.
Absolutely a great observation.

I disagree. This question is like a review on amazon. You can sort out the reviews from friends and family (short and rosy) from the good ones, more detailed with the pros and cons.

"I disagree. This question is like a review on amazon. You can sort out the reviews from friends and family (short and rosy) from the good ones, more detailed with the pros and cons."

OK - so here is ours then.
We really did better than most because of 90% dumb luck and 10% intelligence.
I could say we sold stocks late last year and we are geniuses - not at all a fact.
We did sell stocks late last year (nearly $400K) but it had nothing to do with knowing what would happen with this market.
We also 'sold' stocks right around DOW 21K as we needed a capital loss.
Similarly we 'bought' stocks late in March (not the lowest) as we traded specific lots back into the market.

Still need to do these things before too long...
- sell some lots of stocks for additional loss
- purchase stocks to achieve our longer term AA
Although the story would read mush better that we knew what was going to happen I can assure you it was mostly "dumb luck" related to our other business and the fact that we were retiring.

smitcat
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Re: Share your experience if you timed the market

Post by smitcat » Mon Apr 20, 2020 6:18 pm

Streptococcus wrote:
Mon Apr 20, 2020 5:44 pm
smitcat wrote:
Mon Apr 20, 2020 4:48 pm
HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.
Absolutely a great observation.

I disagree. This question is like a review on amazon. You can sort out the reviews from friends and family (short and rosy) from the good ones, more detailed with the pros and cons.
"I disagree. This question is like a review on amazon. You can sort out the reviews from friends and family (short and rosy) from the good ones, more detailed with the pros and cons."
Separately but related - We have had our own business's for near 20 years now and I do doubt the ability to sort reviews as to whether they are genuine or not.

csh
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Re: Share your experience if you timed the market

Post by csh » Mon Apr 20, 2020 6:50 pm

I'm not sure we are done with this mess yet so we may have not seen the bottom. Only way to know for sure is to put on our 20/20 hindsight glasses. Unfortunately, my pair for 2020 wont arrive till Jan. 1, 2021.

I did time the market some, but will have to add some qualifications around the situation. First off I did not sell out of any of my existing investments and I did not have any dry powder waiting. In late February I got a decent size bonus and I complete my tax return which revealed that I am due a sizable refund. Numbers are good for us to fund our Roths for 2019. This is my first year funding a Roth IRA for DW and me and so not a lot was setup for linking bank accounts and such. I managed to get $4500 into hers and buy $3000 of VTSAX on Mar 3. That was just really a lump sum and not timing but it was 11% down from peak. We are still moving money around to get the Roth accounts funded and during this time and the market is going down fast. I decide that we should be good for our 2020 Roth contributions so I start that process of funding for 2020 too. The situation is looking like a potential opportunity so I setup 5 or 6 quite bearish limit orders and I just sit and watch the market volatility. On 3/17 my limit on BA @ $110 is hit. I set another limit on BA @ $92 and end up with more on 3/18. On 3/20 it looks like it is going to be another day with the market going down so I buy $4k of market index funds in each of our Roth accounts. On 3/23 my limit for D @ $60.50 is hit. I did not buy at the absolute bottom (near term) for the mutual fund purchases but close enough for me to be happy with that. As of today my Roth is up %15 and hers is up 7%. Since the total in those accounts is not that much we are not talking big wins here. There is still some cash in those accounts with a good bit still tied up with limit orders and I may just cancel all of them and lump sum the rest into the planned mutual funds. Unfortunately the bulk of my investments are in my 401k which is down ~%10 YTD, so overall I have net loss YTD.

Reflections
  • I should have bought more with those limit orders, but you never know.
  • I don't like trying to time the market because you never really know what tomorrow will bring and I have decided the way the market reacts to news makes no sense to me.
  • I'm ready to go back to investing on auto pilot.
  • Future Roth contributions will likely be as lump sums as I would have with this one had I not seen a potential opportunity with the way the market was headed.
  • The marked rallied much more than what I expected.
  • While it appears that I bought at some pretty good lows, I was definitely not sure of that at the time.
  • I do not plan to time the market in the future other than my current cash holding in the Roth accounts as I am not sure this mess is over. Only time will tell.

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arcticpineapplecorp.
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Re: Share your experience if you timed the market

Post by arcticpineapplecorp. » Mon Apr 20, 2020 6:55 pm

lying or "selective remembering" notwithstanding, I believe the better question is:

"Even if you "won big" this time with your market timing, what makes you so sure you'll be able to replicate this strategy each and every time the market falls, from now through the rest of your life?"

Because, if your market timing didn't allow you to meet your goals, then wouldn't you have to keep rinsing and repeating this market timing until you meet your goals?

Do you think it's likely your repeated attempts at market timing will help you or hurt you?

p.s. I don't consider rebalancing to be market timing if you have an IPS that directs you to rebalance at this time.
Last edited by arcticpineapplecorp. on Tue Apr 21, 2020 6:58 am, edited 2 times in total.
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ram
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Re: Share your experience if you timed the market

Post by ram » Mon Apr 20, 2020 7:00 pm

I have timed the market. I have over rebalanced at this time by 5% ( bonds to stocks). I am losing at this time but the match is not yet over. Ask me again in 2 to 3 years.
Ram

njdealguy
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Re: Share your experience if you timed the market

Post by njdealguy » Mon Apr 20, 2020 7:13 pm

Totally honest have moved to all cash on 100/0 portfolio on March 4th when S&P was at 3130. Shot myself in the foot after that by using 25% of the cash in my portfolio to make bet on USO oil ETF without learning/understanding the intricacies of how it degrades value over time/contango structure, which ended up selling last week for a 40% loss! Because of that, have to re-enter the market at around 3000 for S&P to break even after which would be losing money over just staying the course.

I did think of reentering on March 23rd with the pending stimulus then but greedily decided not to thinking the drop will continue!

The stress it caused and continues to go through constantly checking the indexes so many times a day makes it not worth it after the experience!

jvini
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Re: Share your experience if you timed the market

Post by jvini » Mon Apr 20, 2020 7:15 pm

I sort of timed the market in the fixed income portion of my portfolio. I was tired of watching my total bond etf (BND) rise and fall with the stock market, although to lesser levels. So I sold a large portion of it from various accounts when it dropped about 4% and put the proceeds into a stable value fund within my 401k, an ira CD, and intermediate term treasury bond funds. Of course BND then went up 3%, so I did lose out on a decent amount of cash. That said, my intermediate term funds (ief and iei) have gone up too, and I feel good about the money in my stable value fund at 2.5% and the ira CD at 1.75%. I decided my fixed allocation is for preserving wealth and they are serving that purpose. I'd rather not have everything in BND which often tends to fall when the market falls.

I'm too chicken to time the market and rebalance existing funds into equities. I'm using monthly new money for that and will likely rebalance towards the end of the year on my designated date.

At this point, I'm staying the course.

Trader Joe
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Re: Share your experience if you timed the market

Post by Trader Joe » Mon Apr 20, 2020 7:18 pm

Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
No experience here. I never try to time the market. Ever.

I am staying the course and this strategy has worked out great.

pb1996
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Re: Share your experience if you timed the market

Post by pb1996 » Mon Apr 20, 2020 7:29 pm

Due to a feeling the a bear market must be coming soon, I stopped investing all new money in retirement accounts and HSA about 5 or 6 years ago (VTI about 100 or so) and just kept it in money market accounts. When VTI hit 120 I sold a little in those same accounts. When it hit 140 I sold a bit more in those accounts. When it hit 170 and Covid was starting to run rampant I sold a lot more. When VTI dropped down to 118 I piled everything into VTI/VXUS in 1 lump sum.
When all is said and done I probably came out slightly ahead (or perhaps broke even).
I don't think it was worth the hassle.
I really like the concept I read on White Coat Investor: beginner investors have trouble staying the course in a bear market, intermediate investors have trouble staying the course in a bull market, advanced investors stay the course all the time.
Hopefully this experience helps me transition to that final category.

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Will do good
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Re: Share your experience if you timed the market

Post by Will do good » Mon Apr 20, 2020 7:37 pm

I don't know about others, I sold all my equities 1 day before the big drop and brought them back 1 day before the big rise.

I also wins every time at Vegas too. Really.



Joking aside, but I do know people who claims to win ALL the time in Vegas, that's why they are still working t 60's.

huskerfan1414
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Re: Share your experience if you timed the market

Post by huskerfan1414 » Mon Apr 20, 2020 7:43 pm

I upped my contributions and started a roth after the big drops. I also reallocated my complex portfolio and got into s&p 500 at 80%. If thats timing so be it. I think it was more “education”. Wish Id done it sooner.
The more I learn, the dumber I feel.

BanquetBeer
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Re: Share your experience if you timed the market

Post by BanquetBeer » Mon Apr 20, 2020 7:45 pm

I had some slush cash (2-3%) that I planned to roll in then the market crashed. Hit 30% down and I thought we might have more to go and was busy with work so I’ll invest tomorrow.
Market started to rebound - dead cat bounce?

Still sitting here not sure if I missed my opportunity to juice my portfolio with +1% (3%*30% drop) or if I’ll get another chance.

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yangtui
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Re: Share your experience if you timed the market

Post by yangtui » Mon Apr 20, 2020 8:13 pm

After watching friends and family lose disgusting amounts of money trying to time the market I decided it was probably a bad idea.

ge1
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Re: Share your experience if you timed the market

Post by ge1 » Mon Apr 20, 2020 8:15 pm

I had a low allocation in stocks going into this (around 40%) and increased to a high of 70% in March. I since sold all of it and I‘m back to 40% as I don‘t think this rally can continue. Nothing earth shattering, added approx 3% to my annual return. So round 1 has worked out well, but who knows how this continues.

jjface
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Re: Share your experience if you timed the market

Post by jjface » Mon Apr 20, 2020 8:17 pm

Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.

Yes I got money and invested it right away. Best market timing there is

dreamrider
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Re: Share your experience if you timed the market

Post by dreamrider » Mon Apr 20, 2020 10:07 pm

I sold 70% on the first day carnage (1000 dow day drop) and all my VTI position in a brokerage account last week. Early 40s, have enough for early retirement. I suspect the market has more downside risk going forward in 2020 than potential for upside. I wasn't comfortable with the market rise disconnect with the world economy. So I sold my remaining position.

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Stef
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Re: Share your experience if you timed the market

Post by Stef » Mon Apr 20, 2020 11:19 pm

njdealguy wrote:
Mon Apr 20, 2020 7:13 pm
Totally honest have moved to all cash on 100/0 portfolio on March 4th when S&P was at 3130. Shot myself in the foot after that by using 25% of the cash in my portfolio to make bet on USO oil ETF without learning/understanding the intricacies of how it degrades value over time/contango structure, which ended up selling last week for a 40% loss! Because of that, have to re-enter the market at around 3000 for S&P to break even after which would be losing money over just staying the course.

I did think of reentering on March 23rd with the pending stimulus then but greedily decided not to thinking the drop will continue!

The stress it caused and continues to go through constantly checking the indexes so many times a day makes it not worth it after the experience!
When will you re-enter the market? What happens if we get over 3000 and never come back?

Luckywon
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Re: Share your experience if you timed the market

Post by Luckywon » Mon Apr 20, 2020 11:27 pm

livesoft wrote:
Mon Apr 20, 2020 4:45 pm
HomerJ wrote:
Mon Apr 20, 2020 4:41 pm
Unless it's real-time, never believe anyone on the Internet or your brother-in-law or your next-door neighbor how about how well they timed the market in the past, even the near past.

Seriously... it's a complete waste of time to ask this question.
This is so true. Even if one produced documents, many people on this forum would say they were photoshopped or faked.

Besides the folks who timed the market successfully already know who they are.
Asking the question makes little difference. People offer their stories about successful market timing or "dumb luck" even without being asked. Of course, as pointed out, they're usually telling less than half the story and the people who have no good story to tell don't say anything at all.

Wannaretireearly
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Re: Share your experience if you timed the market

Post by Wannaretireearly » Tue Apr 21, 2020 3:21 am

Switched 401k from a TRD fund to 100% equities (S&P500) first time it dipped below 20k recently. Switched back to a TRD when dow went back to 22/23k a few days later.

I guess I'd do it again? Lmao
Buy Low, Sell High

Berean
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Re: Share your experience if you timed the market

Post by Berean » Tue Apr 21, 2020 10:02 am

In October 2018, I cleared $250K from the sale of a rental property. I already fully max out all my tax-advantaged accounts (401k, IRA, HSA, 529) every year, so I decided to put it in a taxable account. Fully aware of all the research establishing that lump-sum investing is usually the way to go, I just could not shake the feeling that the 10-year bull market was on the precipice. So I decided to dollar-cost average each week into Vanguard Wellington starting at $42.05. Eighteen months later, Vanguard Wellington is at $39.43, a 6.2% loss. If I had plunked the full amount into the market, I would have lost $15,500 so far.

slopetider
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Re: Share your experience if you timed the market

Post by slopetider » Tue Apr 21, 2020 11:23 am

Streptococcus wrote:
Mon Apr 20, 2020 2:54 pm
Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far?
Did you lose big? Win big? Any regret?

Please share your experience.
We got our bonuses at the beginning of February, just as we were starting to go down, but before the scale of this whole thing was apparent. I had planned to lump-sum that money into my Roth for the year, but thought I would be clever and came up with a plan: I'd contribute half ($3K) now, and DCA the rest in $1K installments every month. The market was "down" that day so I felt good.

The next day the market started going up again, and I thought, screw it, I don't want this roller coaster every day, and put the rest in that day. Hindsight is 20/20, but watching the ups and downs every day isn't worth the stress. :sharebeer

Randolph Mortimer
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Re: Share your experience if you timed the market

Post by Randolph Mortimer » Tue Apr 21, 2020 11:32 am

livesoft wrote:
Mon Apr 20, 2020 4:45 pm
Besides the folks who timed the market successfully already know who they are.
Certainly.

Likewise, the folks who timed the market unsuccessfully already know who they are.

BW1985
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Re: Share your experience if you timed the market

Post by BW1985 » Tue Apr 21, 2020 11:50 am

Randolph Mortimer wrote:
Tue Apr 21, 2020 11:32 am
livesoft wrote:
Mon Apr 20, 2020 4:45 pm
Besides the folks who timed the market successfully already know who they are.
Certainly.

Likewise, the folks who timed the market unsuccessfully already know who they are.
And I would venture to guess there are a lot more of them.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?

DonIce
Posts: 1119
Joined: Thu Feb 21, 2019 6:44 pm

Re: Share your experience if you timed the market

Post by DonIce » Tue Apr 21, 2020 12:07 pm

I switched my AA from ~75/25 to ~95/5 on the way down in March, mostly when the S&P500 was between 2400 and 2800 (i.e. March 9th - March 19th or so). I also TLH'd remarkably close to the bottom, but did not buy anything new there sadly.

I was thinking of going in with leverage if we hit around S&P500 2000 but it never got there obviously.

HoosierDude
Posts: 22
Joined: Thu Jan 02, 2020 1:52 pm

Re: Share your experience if you timed the market

Post by HoosierDude » Tue Apr 21, 2020 1:40 pm

I timed it perfectly, but not because I'm some genius. Just dumb luck.

I closed out a 401K from my previous job February 19th! All cash the day before the drop then put it all into Fidelity FCONX and have been dca over the past few weeks.

My dumb luck saved me 225K!

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