Liquidate entire portfolio until virus is over?

DairyQueen

JustAnotherSaver said:

I should look at my Cavendish and Vanguard accounts to see what has happened to them since December. 

I picked funds as a buy-it-&-leave-it for the long term which is exactly what I’m been doing throughout all this madness. 

Though i I am now curious as to how much my pot has dropped since December. I’ll try and remember to have a look tonight. 

First off id need to find out how to actually do that

May be an idea to take a few swigs of the strong stuff first.

DairyQueen

Alistair31 said:

 I do have a few £ spare that I could dedicate to a gamble on an active fund, though, if there was a decent suggestion of someone who’s actively looking to make the most of the COVID crisis. 

So, in the interests of clarity, you are seeking the investment most likely to profit from the illness and death of your fellow citizens?

Un-believable.

DairyQueen

bostonerimus said:

It's amazing how popular market timing becomes in a crash. If you have an appropriate asset allocation to your circumstances you should be just fine. Even those people retiring on DC pots should be ok as long as they have followed the rules of drawdown portfolio construction as the models include such volatility....maybe people will now understand why withdrawal rates are around 3.5% even thought the markets have been going up by double digits in many recent years.

If you have a robust plan then stick to it, don't be tempted to market time. You don't want to risk decimating your pot on the chance that you can make a killing. Just realize that if your plan was good the possibility of this downturn was baked into it and the survival of your pot is more important than seeking to maximize its size with the associated extra risk.

^^ This.

ffacoffipawb

HCIMbtw said:

tropic_of_Username011 said:

I haven't bought or sold a single investment since 10 February. OTOH, my holdings include COST — have a look at the recent chart of that if you fancy a laugh

check out the value of staffline shares over the past year to make yourself feel a little bit better

INTU is even worse I think.

benbay001

DairyQueen said:

Alistair31 said:

 I do have a few £ spare that I could dedicate to a gamble on an active fund, though, if there was a decent suggestion of someone who’s actively looking to make the most of the COVID crisis. 

So, in the interests of clarity, you are seeking the investment most likely to profit from the illness and death of your fellow citizens?

Un-believable.

Hes not robbing dead people.

foofi22

Just took a look at my accounts  
I started my investing journey in 2007 and have at least 25 years until I access the money, but still, hindsight is a wonderful thing!  Anyway just going to keep investing monthly 

tropic_of_Username011

EdGasketTheSecond said:

I have COST as well unfortunately. They are living up to their ticker 'COST'ing a fortune

You gotta either laugh or cry, innit.

FWIW (not much), my current plan is that, assuming COST complete the announced capital raising as a placing (disregarding pre-emption rights for existing shareholders), I'll then buy enough additional COST shares on the market to prevent my existing shareholding being diluted. Since it appears that the capital raising will be enough to stabilize the company's finances. And the business they are relying on — Government spending on infrastructure, etc — is all still likely to happen. Though not be as lucrative as we might have hoped.

My equity holdings are now under the target percentage, and would still be after buying more COST. Otherwise, I will wait until April to make purchases to get back to the target (and if COST isn't resolved before then, I'll keep back some cash that might be needed to buy COST shares).

JustAnotherSaver

JustAnotherSaver said:

I should look at my Cavendish and Vanguard accounts to see what has happened to them since December. 

I picked funds as a buy-it-&-leave-it for the long term which is exactly what I’m been doing throughout all this madness. 

Though i I am now curious as to how much my pot has dropped since December. I’ll try and remember to have a look tonight. 

First off id need to find out how to actually do that

Well a reference for myself perhaps at a later date.

When i looked 12 months or so ago i was sitting at +12%.

About 6 months or so ago (i could be out by a bit there) i was around 6-8% IIRC.

Just looking now and i'm -6.18% overall, -5.86% since 1st December. This is my Vanguard S&S ISA account. This account was actually at a deposit amount that was set (i wasn't going to add more), though with the drop off i'm tempted to put more in now.

Cavendish i was at £19.5k at the start of Jan, adding £200pm, so growth/loss aside i should be at £20.1k now ...... the pot is sitting at £15.8k.

On the one hand i could've paid attention to the news, withdrawn the S&S ISA, switched to an alternative fund in the Cavendish account but isn't withdrawing under a panic what you're forever advised against with investing? As things are dropping i may take a look at increasing my monthly contributions.

bostonerimus

JustAnotherSaver said:

JustAnotherSaver said:

I should look at my Cavendish and Vanguard accounts to see what has happened to them since December. 

On the one hand i could've paid attention to the news, withdrawn the S&S ISA, switched to an alternative fund in the Cavendish account but isn't withdrawing under a panic what you're forever advised against with investing? As things are dropping i may take a look at increasing my monthly contributions.

When it comes to investing it's best not to use conditional sentences with modal verbs like "would, could, should, might". It only matters what you actually do. But don't dwell on what you did (or didn't do) in the past, that way lies madness. A solid plan can help you in this. For example I know that I will rebalance my asset allocation back to 75/25 if my equity and bond allocations are off by more than 5% and that I won't use any cash that I have set aside in my emergency fund to buy into the market at what might be a low....

Alistair31

DairyQueen said:

Alistair31 said:

 I do have a few £ spare that I could dedicate to a gamble on an active fund, though, if there was a decent suggestion of someone who’s actively looking to make the most of the COVID crisis. 

So, in the interests of clarity, you are seeking the investment most likely to profit from the illness and death of your fellow citizens?

Un-believable.

Every cloud etc. 

In reality I’ll probably just overweight equities by buying VWRP at reduced prices rather than gamble on an active fund or individual shares. 

I guess it’s best just to remove emotion from investing. 

YMMV.