YTD 2026 Networth tracking thread

[laokorkor]

well I guess this was a good time to teach me a lesson..

all along I am more comfortable like 60% cash/bonds 40% equities, when I see the run up last 1-2 years and seeing other people in 90% equities I am always questioning my decision why I did not go all in last time..

if i was 90% equities and did not have some cash as buffer think I will be very stressed at such a big drop

Your 40/60 stocks/bonds is a good conservative ratio. It's still well within the balance portfolio boundaries of what many personal finance books recommend. The most important thing is you're comfortable with it and can hold for the long term and withstand turbulence and not panic sell when disasters strike.

As for 90/10 stocks/bonds, it's suitable for some use cases related to STI ETF, for example:

✅️ you're a HNWI and the dividend cash flow alone is enough to cover your expenses. Dividend streams are relatively stable thus you can safely ignore price fluctuations

✅️ you're a young saver and DCA into 90/10 STI/bonds. Since STI ETF dividends are stable, you DCA the dividend payouts into more STI shares when it tanks and less shares when it rises. This is classic buy low sell high strategy, which is exactly what DCA is about.

Nevertheless, I consider that 90/10 is on the high equity side.

 

[trave1er]

If the steep drops in tech stocks makes one tempted to sell, well.. This is cold comfort... but it's a good chance to understand one's risk profile better.

Anyway, my take is that the market is overreacting to the results of the mid term elections.

 

[havetheveryfun]

I'm trying to get used to the larger and larger drawdowns as my portfolio grows.

well i read somewhere that try to think of yr portfolio in terms of % rather than absolute value..

for example if your portfolio is 500k and it drops by 50k.. if you think about the 50k only it seems very painful as it could be one year's worth of salary for some.

but if you think of it in % it is actually just a 10% drop.. not too bad.

 

[highsulphur]

well i read somewhere that try to think of yr portfolio in terms of % rather than absolute value..

for example if your portfolio is 500k and it drops by 50k.. if you think about the 50k only it seems very painful as it could be one year's worth of salary for some.

but if you think of it in % it is actually just a 10% drop.. not too bad.

Its easy to say but hypothetically if your portfolio hits say $5m, a 10% drawdown is 500k which will be painful for most. The only way is to wired yourself psychologically over the years

 

[hwmook]

well I guess this was a good time to teach me a lesson..

all along I am more comfortable like 60% cash/bonds 40% equities, when I see the run up last 1-2 years and seeing other people in 90% equities I am always questioning my decision why I did not go all in last time..

if i was 90% equities and did not have some cash as buffer think I will be very stressed at such a big drop

Go down fast also mean go up fast, part and parcel. Keep clam, my portfolio drop 1m also didn't affect my sleep. Just go for global ETF if you can't stand the big swings.

 

[hwmook]

If the steep drops in tech stocks makes one tempted to sell, well.. This is cold comfort... but it's a good chance to understand one's risk profile better.

Anyway, my take is that the market is overreacting to the results of the mid term elections.

Everybody know it's an over reaction. Politicians just talk only, all will eventually follow the money. Keep buying and invest for the future.

 

[laokorkor]

but if you think of it in % it is actually just a 10% drop.. not too bad.

Yes, that is the right mindset.

Another thing to note is that an investment strategy should be geared toward the long term rather than month-to-month. The recent headlines only pertain to the last two weeks or so.

For example, we should not be fixated on month-to-date returns. Evaluation of our investment strategy should extend to year-to-date, 5-year trailing returns, and ideally, 10-year trailing returns.

Long-term thinking will help us sidestep the mistake of selling off our depressed securities at the wrong time! Evidence from the US shows that participating in the capital markets has been rewarding for the past 100 years.

 

[stanlawj]

Yes, that is the right mindset.

Another thing to note is that an investment strategy should be geared toward the long term rather than month-to-month. The recent headlines only pertain to the last two weeks or so.

For example, we should not be fixated on month-to-date returns. Evaluation of our investment strategy should extend to year-to-date, 5-year trailing returns, and ideally, 10-year trailing returns.

Long-term thinking will help us sidestep the mistake of selling off our depressed securities at the wrong time! Evidence from the US shows that participating in the capital markets has been rewarding for the past 100 years.

I'm going to add the nuance: business cycle to cycle.
The cycle can stretch from months to years. Dips need to be bought. Duration between the dips varies from cycle to cycle.

 

[highsulphur]

I'm going to add the nuance: business cycle to cycle.
The cycle can stretch from months to years. Dips need to be bought. Duration between the dips varies from cycle to cycle.

I think the most and common devastating thing have been to sell in panic during the dips and down cycles. It's ok not to buy during dips but it's absolutely a disaster if you had to sell

 

[hwmook]

I think the most and common devastating thing have been to sell in panic during the dips and down cycles. It's ok not to buy during dips but it's absolutely a disaster if you had to sell

Correct, the worst is to sell whenever it drop. Buy only when you have funds to deploy, not borrow money to make a quick buck.