Hey everyone,
I’d love any advice on how you’ve resisted the urge to panic sell (or drastically rebalance) to risk-off positions?
In my case, as a 36-year-old, I really regret changing the stock/bond mix in my 401(k) more than three times over the past year. About a year ago, I kept waiting for the market to fall apart because of tariffs and all the geopolitical uncertainty, so I shifted to a 60/40 split between stocks and bonds.
But as I watched how resilient the market’s been, I kept moving back toward equities. In the process, I’ve probably missed out on \~10% gains.
I keep telling myself, “Don’t touch the 401(k),” but man… the temptation is almost always there. I’ve committed to 50% VOO, 50% Vanguard Target 2065 (because I want international exposure).
One solution that’s actually helped: I removed my 401(k) from my Monarch Money account, so I don’t see it whipsawing up and down every time I check my budget and other accounts.